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    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
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   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInInvestingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-334": {
   "value": "176800000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromBorrowingsClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-335": {
   "value": "52600000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromBorrowingsClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-336": {
   "value": "11400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:RepaymentsOfBorrowingsClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
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  },
  "fact-337": {
   "value": "6000000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:RepaymentsOfBorrowingsClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-338": {
   "value": "400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromExerciseOfOptions",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-339": {
   "value": "500000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromExerciseOfOptions",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-340": {
   "value": "8600000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "fundingcircle:PurchaseOfOwnSharesByEBTClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
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   "value": "0.0",
   "decimals": -5,
   "dimensions": {
    "concept": "fundingcircle:PurchaseOfOwnSharesByEBTClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
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  },
  "fact-342": {
   "value": "30600000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "fundingcircle:BuybackOfOwnSharesClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
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  },
  "fact-343": {
   "value": "33700000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "fundingcircle:BuybackOfOwnSharesClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
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  "fact-344": {
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   "decimals": -5,
   "dimensions": {
    "concept": "fundingcircle:ProceedsFromSubleasesClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
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  "fact-345": {
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   "decimals": -5,
   "dimensions": {
    "concept": "fundingcircle:ProceedsFromSubleasesClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
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  },
  "fact-346": {
   "value": "1900000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
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  "fact-347": {
   "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-348": {
   "value": "124700000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInFinancingActivities",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-349": {
   "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-350": {
   "value": "-35300000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-351": {
   "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-352": {
   "value": "187600000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-353": {
   "value": "221400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-354": {
   "value": "100000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-355": {
   "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-356": {
   "value": "152400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-357": {
   "value": "187600000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-361": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls7 ws7 gs51\">1. Material ac<span class=\"_ _0\"></span>counting policies<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs52\">General information<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs53\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ho<span class=\"_ _6\"></span>ldi<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>lc (<span class=\"_ _6\"></span>the \u201c<span class=\"_ _6\"></span>C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any\u201d<span class=\"_ _6\"></span>) is a p<span class=\"_ _6\"></span>ubl<span class=\"_ _6\"></span>ic </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs54\">com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d by sha<span class=\"_ _6\"></span>res<span class=\"_ _2f2\"> </span>, wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>s lis<span class=\"_ _6\"></span>ted o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Lond<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs55\">S<span class=\"_ _6\"></span>tock E<span class=\"_ _6\"></span>xch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e an<span class=\"_ _6\"></span>d is do<span class=\"_ _6\"></span>mic<span class=\"_ _6\"></span>ile<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d inc<span class=\"_ _6\"></span>orp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs56\">Un<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>d Ki<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>dom u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ani<span class=\"_ _6\"></span>es Ac<span class=\"_ _6\"></span>t 200<span class=\"_ _6\"></span>6 and </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls70 ws16 gs57\">reg<span class=\"_ _6\"></span>iste<span class=\"_ _6\"></span>red i<span class=\"_ _6\"></span>n Eng<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d and Wa<span class=\"_ _6\"></span>les<span class=\"_ _6\"></span>. The a<span class=\"_ _6\"></span>ddre<span class=\"_ _6\"></span>ss of i<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>gis<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs58\">of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e is give<span class=\"_ _6\"></span>n on p<span class=\"_ _6\"></span>age 1<span class=\"_ _6\"></span>92. Th<span class=\"_ _6\"></span>e cons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls70 ws74 gs59\">st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p for the yea<span class=\"_ _6\"></span>r end<span class=\"_ _6\"></span>ed 31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2b ws66 gs5a\">com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any and i<span class=\"_ _6\"></span>ts su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>es (to<span class=\"_ _6\"></span>get<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r refer<span class=\"_ _6\"></span>red </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5b\">to as t<span class=\"_ _6\"></span>he \u201cG<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u201d and i<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>dua<span class=\"_ _6\"></span>lly a<span class=\"_ _6\"></span>s \u201cG<span class=\"_ _6\"></span>roup e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>\u201d).<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs5c\">The p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p and t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>atu<span class=\"_ _6\"></span>re of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5d\">Gro<span class=\"_ _6\"></span>up\u2019s op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s are as a fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ato<span class=\"_ _6\"></span>r of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce fo<span class=\"_ _6\"></span>r SME<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs5e\">The principal<span class=\"_ _0\"></span> accounting policies<span class=\"_ _0\"></span> applied in the<span class=\"_ _0\"></span> preparation </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5f\">of t<span class=\"_ _6\"></span>hese f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts are s<span class=\"_ _6\"></span>et ou<span class=\"_ _6\"></span>t b<span class=\"_ _6\"></span>elow. The<span class=\"_ _6\"></span>se po<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>cies </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs60\">have be<span class=\"_ _6\"></span>en c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ied to a<span class=\"_ _6\"></span>ll t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>rs pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ted, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs61\">un<span class=\"_ _6\"></span>les<span class=\"_ _6\"></span>s ot<span class=\"_ _6\"></span>her<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ise s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ted.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs62\">Going concern<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd5 ws16 gs63\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p mad<span class=\"_ _6\"></span>e a tot<span class=\"_ _6\"></span>al co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>rehe<span class=\"_ _6\"></span>nsive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me of \u00a3<span class=\"_ _6\"></span>46.0 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs64\">du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g the yea<span class=\"_ _6\"></span>r end<span class=\"_ _6\"></span>ed 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 <span class=\"_ _0\"></span>(202<span class=\"_ _0\"></span>4: <span class=\"_ _0\"></span>exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs65\">of \u00a30.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on)<span class=\"_ _0\"></span>. As at 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025, the Gro<span class=\"_ _6\"></span>up had n<span class=\"_ _6\"></span>et </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs66\">ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s of \u00a3228.4 mill<span class=\"_ _6\"></span>ion (2024: <span class=\"_ _0\"></span>\u00a321<span class=\"_ _6\"></span>6.5 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on)<span class=\"_ _0\"></span>. This in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5f wsff gs67\">\u00a31<span class=\"_ _6\"></span>52.4 <span class=\"_ _0\"></span>mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>of cas<span class=\"_ _6\"></span>h and cash eq<span class=\"_ _6\"></span>uiv<span class=\"_ _6\"></span>ale<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s (2<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>4: \u00a3187<span class=\"_ _b\"></span>.6 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs68\">of whi<span class=\"_ _6\"></span>ch \u00a351.5 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (2024: \u00a337<span class=\"_ _a\"></span>.1 <span class=\"_ _0\"></span>mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on) is hel<span class=\"_ _6\"></span>d for spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs69\">pu<span class=\"_ _6\"></span>rpo<span class=\"_ _6\"></span>ses an<span class=\"_ _6\"></span>d is rest<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d in use. W<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n the ne<span class=\"_ _6\"></span>t asse<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>, the </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs6a\">Gro<span class=\"_ _6\"></span>up ho<span class=\"_ _6\"></span>lds \u00a39<span class=\"_ _6\"></span>4.5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a353<span class=\"_ _6\"></span>.5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) of investe<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2e ws6c gs6b\">ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l, som<span class=\"_ _6\"></span>e of which is c<span class=\"_ _6\"></span>apa<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e of <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>ing mo<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>f liqu<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls6 wsce gs6c\">needs arise.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs6d\">The f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts are p<span class=\"_ _6\"></span>rep<span class=\"_ _6\"></span>ared o<span class=\"_ _6\"></span>n a goi<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>ern </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6e\">bas<span class=\"_ _6\"></span>is as t<span class=\"_ _6\"></span>he D<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s are sa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sf<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ha<span class=\"_ _6\"></span>s the </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6f\">reso<span class=\"_ _6\"></span>urces t<span class=\"_ _6\"></span>o con<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>ue i<span class=\"_ _6\"></span>n bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss for t<span class=\"_ _6\"></span>he fore<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>eab<span class=\"_ _6\"></span>le f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs70\">(whi<span class=\"_ _6\"></span>ch has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n ta<span class=\"_ _6\"></span>ken as at l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>t 12 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs fro<span class=\"_ _6\"></span>m the d<span class=\"_ _6\"></span>ate </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs71\">of ap<span class=\"_ _6\"></span>prova<span class=\"_ _6\"></span>l of th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts). </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs72\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has pre<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s for t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs73\">nex<span class=\"_ _6\"></span>t 1<span class=\"_ _6\"></span>5 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs to 30 J<span class=\"_ _6\"></span>une 2027<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs74\">The b<span class=\"_ _6\"></span>ase c<span class=\"_ _6\"></span>ase s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>io ass<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>es: </div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs75\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls2e ws6c\">th<span class=\"_ _6\"></span>e econ<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>c enviro<span class=\"_ _6\"></span>nme<span class=\"_ _6\"></span>nt rem<span class=\"_ _6\"></span>ains as is wi<span class=\"_ _6\"></span>th no im<span class=\"_ _6\"></span>provem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span> </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls51 ws47 gs76\">or deterioration in<span class=\"_ _0\"></span> the macr<span class=\"_ _0\"></span>o en<span class=\"_ _0\"></span>vironment<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span>ecast;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs77\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">grow<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h in sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-ter<span class=\"_ _6\"></span>m lo<span class=\"_ _6\"></span>ans;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs78\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">grow<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h in Cas<span class=\"_ _6\"></span>hba<span class=\"_ _6\"></span>ck ca<span class=\"_ _6\"></span>rd alo<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>e Flexi<span class=\"_ _6\"></span>Pay lin<span class=\"_ _6\"></span>es of cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>; </span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs79\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff56 fc2 ls29\">the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p con<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>ues to f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h i<span class=\"_ _6\"></span>ts </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs7a\">ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>eet a<span class=\"_ _6\"></span>lon<span class=\"_ _6\"></span>g wi<span class=\"_ _6\"></span>th th<span class=\"_ _6\"></span>e sen<span class=\"_ _6\"></span>ior b<span class=\"_ _6\"></span>ank<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>acil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs7b\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>ans are exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d to be fun<span class=\"_ _6\"></span>ded i<span class=\"_ _6\"></span>n the s<span class=\"_ _6\"></span>ame<span class=\"_ _6\"></span> </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs7c\">way as Flex<span class=\"_ _6\"></span>iPay un<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>l the sh<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>an ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are sol<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs7d\">an<span class=\"_ _6\"></span>d an ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al inves<span class=\"_ _6\"></span>tor is on<span class=\"_ _6\"></span>bo<span class=\"_ _6\"></span>arde<span class=\"_ _6\"></span>d for fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re fun<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs7e\">Thi<span class=\"_ _6\"></span>s swi<span class=\"_ _6\"></span>tch too<span class=\"_ _6\"></span>k pla<span class=\"_ _6\"></span>ce in Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>6; </div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs7f\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">cos<span class=\"_ _6\"></span>ts are con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed wi<span class=\"_ _6\"></span>th any grow<span class=\"_ _5\"></span>th dr<span class=\"_ _6\"></span>iven by mar<span class=\"_ _6\"></span>keti<span class=\"_ _6\"></span>ng,<span class=\"_ _6\"></span> </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs80\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>ses (\u201c<span class=\"_ _6\"></span>ECL<span class=\"_ _b\"></span>\u201d) an<span class=\"_ _6\"></span>d cost of f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s. Rem<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs81\">cos<span class=\"_ _6\"></span>ts grow b<span class=\"_ _6\"></span>ut pre<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>ly t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh inf<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs82\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>nt sh<span class=\"_ _6\"></span>are bu<span class=\"_ _6\"></span>yb<span class=\"_ _6\"></span>ack p<span class=\"_ _6\"></span>rogr<span class=\"_ _6\"></span>amm<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s in </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs83\">Ju<span class=\"_ _6\"></span>ne 2026 wi<span class=\"_ _6\"></span>th f<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r buy<span class=\"_ _6\"></span>bac<span class=\"_ _6\"></span>ks on<span class=\"_ _6\"></span>ly to s<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>sf<span class=\"_ _6\"></span>y EBT </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs84\">req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h no ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>ck or d<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nd </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs85\">assumed<span class=\"_ _0\"></span>; and</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs86\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls2f ws37\">cor<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion t<span class=\"_ _6\"></span>ax b<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>ins to be p<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>d in 2026 alon<span class=\"_ _6\"></span>gsi<span class=\"_ _6\"></span>de u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span> </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs87\">bro<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd ta<span class=\"_ _6\"></span>x los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs89\">Ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>repa<span class=\"_ _6\"></span>red a s<span class=\"_ _6\"></span>evere bu<span class=\"_ _6\"></span>t pl<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e dow<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs8a\">sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io i<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs8b\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2 ls3d ws47\">f<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ther macr<span class=\"_ _0\"></span>oeconomic v<span class=\"_ _0\"></span>olatilit<span class=\"_ _6\"></span>y continues thr<span class=\"_ _0\"></span>ough the </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs8c\">pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h elev<span class=\"_ _6\"></span>ated i<span class=\"_ _6\"></span>nf<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ates re<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs8d\">or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns as b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rower de<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nd for l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns at hi<span class=\"_ _6\"></span>ghe<span class=\"_ _6\"></span>r in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs8e\">ra<span class=\"_ _6\"></span>tes red<span class=\"_ _6\"></span>uce<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>r fun<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng ap<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>te red<span class=\"_ _6\"></span>uce<span class=\"_ _6\"></span>s;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs8f\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a d<span class=\"_ _6\"></span>owns<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io is a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>d to T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>ns as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>er </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs90\">management re<span class=\"_ _0\"></span>sulting in reduced<span class=\"_ _0\"></span> servicing fees<span class=\"_ _0\"></span>;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs91\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a d<span class=\"_ _6\"></span>owns<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ied t<span class=\"_ _6\"></span>o the o<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t lin<span class=\"_ _6\"></span>es </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs92\">of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s in re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed ne<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ma<span class=\"_ _6\"></span>rgins w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h hi<span class=\"_ _6\"></span>ghe<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs93\">cos<span class=\"_ _6\"></span>t of fu<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>s; and</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs94\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l event o<span class=\"_ _6\"></span>ccu<span class=\"_ _6\"></span>rs, su<span class=\"_ _6\"></span>ch as i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s on cr<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cal </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs95\">sup<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ier<span class=\"_ _6\"></span>s, bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>cks of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d lower c<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ate c<span class=\"_ _6\"></span>ash </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs96\">level<span class=\"_ _6\"></span>s resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g in lo<span class=\"_ _6\"></span>st reven<span class=\"_ _6\"></span>ues a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>lays.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs97\">The s<span class=\"_ _6\"></span>evere bu<span class=\"_ _6\"></span>t pl<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le do<span class=\"_ _6\"></span>wnsi<span class=\"_ _6\"></span>de s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>o resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s in a </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs98\">ma<span class=\"_ _6\"></span>xim<span class=\"_ _6\"></span>um c<span class=\"_ _6\"></span>ash o<span class=\"_ _6\"></span>ut<span class=\"_ _5\"></span>flow o<span class=\"_ _6\"></span>f \u00a340 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h is th<span class=\"_ _6\"></span>e min<span class=\"_ _6\"></span>imu<span class=\"_ _6\"></span>m </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs99\">level o<span class=\"_ _6\"></span>f unre<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>ill </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs9a\">ho<span class=\"_ _6\"></span>ld at a<span class=\"_ _6\"></span>ll t<span class=\"_ _6\"></span>ime<span class=\"_ _6\"></span>s (referre<span class=\"_ _6\"></span>d to as \u201cm<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>\u2019s st<span class=\"_ _6\"></span>ress b<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>\u201d).<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs9b\">Ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt h<span class=\"_ _6\"></span>as review<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>ts l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ted re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lato<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs9c\">req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts. I<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e dow<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>rio, t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk of c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs9d\">req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t bre<span class=\"_ _6\"></span>ach is c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red re<span class=\"_ _6\"></span>mote. T<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>oes </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs9e\">no<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>rent<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>ly on c<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ted or u<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs9f\">fa<span class=\"_ _6\"></span>cili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he exce<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on of a f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y for t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ose of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsa0\">or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t (and i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tia<span class=\"_ _6\"></span>lly s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-ter<span class=\"_ _6\"></span>m </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsa1\">lo<span class=\"_ _6\"></span>ans), and d<span class=\"_ _6\"></span>oes n<span class=\"_ _6\"></span>ot h<span class=\"_ _6\"></span>ave undr<span class=\"_ _6\"></span>awn co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>ted bo<span class=\"_ _6\"></span>rrowi<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsa2\">fa<span class=\"_ _6\"></span>cili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies ava<span class=\"_ _6\"></span>ila<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e wid<span class=\"_ _6\"></span>er G<span class=\"_ _6\"></span>roup.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls51 wsa7 gsa3\">The D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs have m<span class=\"_ _6\"></span>ade e<span class=\"_ _6\"></span>nq<span class=\"_ _6\"></span>uir<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f man<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls51 wsa7 gsa4\">con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d bu<span class=\"_ _6\"></span>dge<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low fore<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s for t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gsa5\">an<span class=\"_ _6\"></span>d have, at th<span class=\"_ _6\"></span>e ti<span class=\"_ _6\"></span>me of ap<span class=\"_ _6\"></span>provi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gsa6\">a reas<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e expe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny and t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gsa7\">have ad<span class=\"_ _6\"></span>eq<span class=\"_ _6\"></span>uate re<span class=\"_ _6\"></span>sou<span class=\"_ _6\"></span>rces to co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>e in op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al exis<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nce </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls51 wsa7 gsa8\">for t<span class=\"_ _6\"></span>he fore<span class=\"_ _6\"></span>see<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure, sp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ed fo<span class=\"_ _6\"></span>r the </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls51 wsa7 gsa9\">15 m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs to 3<span class=\"_ _6\"></span>0 Ju<span class=\"_ _6\"></span>ne 2027<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gsaa\">Fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>l is con<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he S<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>gic R<span class=\"_ _6\"></span>epo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>n pag<span class=\"_ _6\"></span>es 69 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsab\">an<span class=\"_ _6\"></span>d 70.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls7 ws2d gsac\">Basis of<span class=\"_ _0\"></span> preparation<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls3a ws44 gsad\">The f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al st<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts have been pre<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red in acco<span class=\"_ _6\"></span>rdan<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span> <span class=\"_ _0\"></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsae\">UK-ado<span class=\"_ _6\"></span>pte<span class=\"_ _6\"></span>d In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal Ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ing S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ard<span class=\"_ _6\"></span>s in co<span class=\"_ _6\"></span>nfor<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsaf\">wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>rem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ani<span class=\"_ _6\"></span>es Act 20<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>6 and t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsb0\">Dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sure G<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce an<span class=\"_ _6\"></span>d T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ansp<span class=\"_ _6\"></span>are<span class=\"_ _6\"></span>ncy R<span class=\"_ _6\"></span>ule<span class=\"_ _6\"></span>s sou<span class=\"_ _6\"></span>rceb<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>k </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsb1\">of t<span class=\"_ _6\"></span>he Un<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>d K<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>m\u2019s Fin<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al C<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t Au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ori<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsb2\">The f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts have b<span class=\"_ _6\"></span>een p<span class=\"_ _6\"></span>rep<span class=\"_ _6\"></span>ared o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsb3\">cos<span class=\"_ _6\"></span>t bas<span class=\"_ _6\"></span>is exce<span class=\"_ _6\"></span>pt for c<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsb4\">ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ied a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s (\u201c<span class=\"_ _6\"></span>FV<span class=\"_ _6\"></span>T<span class=\"_ _6\"></span>PL<span class=\"_ _a\"></span>\u201d<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsb5\">The p<span class=\"_ _6\"></span>rep<span class=\"_ _6\"></span>ara<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>s the u<span class=\"_ _6\"></span>se of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsb6\">cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>es. I<span class=\"_ _6\"></span>t als<span class=\"_ _6\"></span>o requ<span class=\"_ _6\"></span>ires m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsb7\">exercis<span class=\"_ _6\"></span>e it<span class=\"_ _6\"></span>s ju<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt in t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roce<span class=\"_ _6\"></span>ss of a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gsb8\">accounting policies.<span class=\"_ _0\"></span> Changes in<span class=\"_ _0\"></span> assumptions<span class=\"_ _0\"></span> may<span class=\"_ _0\"></span> hav<span class=\"_ _0\"></span>e a<span class=\"_ _0\"></span> </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gsb9\">signific<span class=\"_ _6\"></span>ant impact<span class=\"_ _0\"></span> on the financial statements<span class=\"_ _0\"></span> in the y<span class=\"_ _0\"></span>ear the<span class=\"_ _0\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gsba\">ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>ed. Ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent be<span class=\"_ _6\"></span>lieve<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e unde<span class=\"_ _6\"></span>rly<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gsbb\">ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re app<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>te. The a<span class=\"_ _6\"></span>reas i<span class=\"_ _6\"></span>nvolvi<span class=\"_ _6\"></span>ng a hi<span class=\"_ _6\"></span>gh<span class=\"_ _6\"></span>er </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsbc\">de<span class=\"_ _6\"></span>gre<span class=\"_ _6\"></span>e of jud<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t or co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>lex<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, or a<span class=\"_ _6\"></span>reas wh<span class=\"_ _6\"></span>ere </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gsbd\">assumptions and<span class=\"_ _0\"></span> estimates ar<span class=\"_ _0\"></span>e significant to<span class=\"_ _0\"></span> the financial </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsbe\">st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>, are dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n no<span class=\"_ _6\"></span>te 2.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls64 ws94 gsc0\">Si<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ant c<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g year<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsc1\">The f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>nd p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p were </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsc2\">af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng even<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsc3\">year e<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025:<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2d ws5 gsc4\">i) Expan<span class=\"_ _0\"></span>sion int<span class=\"_ _0\"></span>o sh<span class=\"_ _0\"></span>orter<span class=\"_ _0\"></span>-t<span class=\"_ _0\"></span>erm loan<span class=\"_ _0\"></span>s product </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsc5\">In A<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>il 2025, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p exp<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>nto a s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsc6\">pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>, of<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g fi<span class=\"_ _6\"></span>xed ra<span class=\"_ _6\"></span>te in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>ns be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 6 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsc7\">an<span class=\"_ _6\"></span>d 2<span class=\"_ _0\"></span>4-m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>h ter<span class=\"_ _6\"></span>ms. Loa<span class=\"_ _6\"></span>ns wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h ter<span class=\"_ _6\"></span>ms over 12 mo<span class=\"_ _6\"></span>nth<span class=\"_ _6\"></span>s are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsc8\">sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to a<span class=\"_ _6\"></span>n or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n fee in l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>e wi<span class=\"_ _6\"></span>th ou<span class=\"_ _6\"></span>r ot<span class=\"_ _6\"></span>her T<span class=\"_ _0\"></span>er<span class=\"_ _6\"></span>m Loan </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsc9\">pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e wi<span class=\"_ _6\"></span>th te<span class=\"_ _6\"></span>rms of 12 m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs o<span class=\"_ _6\"></span>r les<span class=\"_ _6\"></span>s are no<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsca\">sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion fe<span class=\"_ _6\"></span>es. Th<span class=\"_ _6\"></span>e sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s gen<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>lly </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gscb\">cha<span class=\"_ _6\"></span>rge hig<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>ra<span class=\"_ _6\"></span>tes of intere<span class=\"_ _6\"></span>st th<span class=\"_ _6\"></span>an FC\u2019s equ<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nt lon<span class=\"_ _6\"></span>ger-te<span class=\"_ _6\"></span>rm </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gscc\">lo<span class=\"_ _6\"></span>ans, bu<span class=\"_ _6\"></span>t provi<span class=\"_ _6\"></span>de more fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y wi<span class=\"_ _6\"></span>th pe<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>y-f<span class=\"_ _6\"></span>ree pre<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd5 ws16 gscd\">an<span class=\"_ _6\"></span>d in so<span class=\"_ _6\"></span>me c<span class=\"_ _6\"></span>ases n<span class=\"_ _6\"></span>o or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n fees<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsce\">Thro<span class=\"_ _6\"></span>ugh 2025 s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s were f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gscf\">sa<span class=\"_ _6\"></span>me leve<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e use<span class=\"_ _6\"></span>d to fu<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he Flex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay and </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsd0\">Cas<span class=\"_ _6\"></span>hb<span class=\"_ _6\"></span>ack c<span class=\"_ _6\"></span>ard p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>, Ka<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>oa 2 L<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ted (\u201c<span class=\"_ _6\"></span>K<span class=\"_ _6\"></span>2\u201d<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>. The i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsd1\">an<span class=\"_ _6\"></span>d fees re<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he se<span class=\"_ _6\"></span>nio<span class=\"_ _6\"></span>r bo<span class=\"_ _6\"></span>rrowi<span class=\"_ _6\"></span>ng fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y u<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d to fun<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsd2\">th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>ans is p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d und<span class=\"_ _6\"></span>er \u201cco<span class=\"_ _6\"></span>st of f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ds\u201d i<span class=\"_ _6\"></span>n the </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gsd3\">consolidated<span class=\"_ _0\"></span> statement of<span class=\"_ _0\"></span> compr<span class=\"_ _0\"></span>ehensiv<span class=\"_ _0\"></span>e income<span class=\"_ _0\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gsd4\">The i<span class=\"_ _6\"></span>nten<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter-ter<span class=\"_ _6\"></span>m loa<span class=\"_ _6\"></span>n prod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t is to ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gsd5\">bu<span class=\"_ _6\"></span>ild u<span class=\"_ _6\"></span>p the p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t on ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t to an app<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate leve<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2a ws39 gsd6\">of sc<span class=\"_ _6\"></span>ale w<span class=\"_ _6\"></span>hil<span class=\"_ _6\"></span>st in an R&amp;<span class=\"_ _6\"></span>D ph<span class=\"_ _6\"></span>ase. Th<span class=\"_ _6\"></span>is ena<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s us to ite<span class=\"_ _6\"></span>rate a<span class=\"_ _6\"></span>nd </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gsd7\">evolve t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>, befo<span class=\"_ _6\"></span>re sel<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns to a thi<span class=\"_ _6\"></span>rd pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gsd8\">inves<span class=\"_ _6\"></span>tor an<span class=\"_ _6\"></span>d or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g new lo<span class=\"_ _6\"></span>ans u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er a pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ateg<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gsd9\">go<span class=\"_ _6\"></span>ing fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward. A<span class=\"_ _6\"></span>s we inte<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed to se<span class=\"_ _6\"></span>ll t<span class=\"_ _6\"></span>hese l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns th<span class=\"_ _6\"></span>ey were </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls2f ws16 gsda\">me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd lo<span class=\"_ _6\"></span>ss an<span class=\"_ _6\"></span>d pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsdb\">un<span class=\"_ _6\"></span>der \u201c<span class=\"_ _6\"></span>S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s\u201d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsdc\">on t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t. I<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me an<span class=\"_ _6\"></span>d fai<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsdd\">val<span class=\"_ _6\"></span>ue g<span class=\"_ _6\"></span>ains o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>ses fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ow the ex<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>cy </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsde\">an<span class=\"_ _6\"></span>d prese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsdf\">prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss a<span class=\"_ _6\"></span>nd a<span class=\"_ _6\"></span>re prese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Lo<span class=\"_ _6\"></span>ans </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gse0\">se<span class=\"_ _6\"></span>gme<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s in no<span class=\"_ _6\"></span>te 5. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gse1\">The s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-ter<span class=\"_ _6\"></span>m lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d by the G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>ere so<span class=\"_ _6\"></span>ld in </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gse2\">Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y 2026 subse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent t<span class=\"_ _6\"></span>o the b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et d<span class=\"_ _6\"></span>ate. D<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gse3\">are in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in n<span class=\"_ _6\"></span>ote 28.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2d ws5 gse4\">ii) Shar<span class=\"_ _0\"></span>e buybac<span class=\"_ _0\"></span>k programme<span class=\"_ _0\"></span> extension<span class=\"_ _0\"></span> and<span class=\"_ _0\"></span> purchase </div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls64 ws94 gse5\">of own s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2a ws39 gse6\">The s<span class=\"_ _6\"></span>hare bu<span class=\"_ _6\"></span>yb<span class=\"_ _6\"></span>ack pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>mm<span class=\"_ _6\"></span>e whic<span class=\"_ _6\"></span>h was lau<span class=\"_ _6\"></span>nch<span class=\"_ _6\"></span>ed in 2024 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gse7\">was f<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in May 2025 to bu<span class=\"_ _6\"></span>y and c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>el up </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gse8\">to a fu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er \u00a325 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s in ord<span class=\"_ _6\"></span>er to ret<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>n val<span class=\"_ _6\"></span>ue </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls39 ws16 gse9\">to sh<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>s. The n<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>l cos<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>res c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gsea\">red<span class=\"_ _6\"></span>uces t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span>\u2019s sha<span class=\"_ _6\"></span>re cap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h an e<span class=\"_ _6\"></span>qua<span class=\"_ _6\"></span>l inc<span class=\"_ _6\"></span>reas<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2d ws35 gseb\">in t<span class=\"_ _6\"></span>he ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l rede<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve. The fu<span class=\"_ _6\"></span>ll cos<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e buyb<span class=\"_ _6\"></span>ack<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2d ws35 gsec\">in<span class=\"_ _6\"></span>clus<span class=\"_ _6\"></span>ive of st<span class=\"_ _6\"></span>am<span class=\"_ _6\"></span>p du<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y and bro<span class=\"_ _6\"></span>ker fees is d<span class=\"_ _6\"></span>ebi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d to reta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gsed\">ear<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>. In the yea<span class=\"_ _6\"></span>r to 31 Dec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, 23.0 milli<span class=\"_ _6\"></span>on sh<span class=\"_ _6\"></span>ares<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gsee\">(202<span class=\"_ _0\"></span>4: 33.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) were purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>d for </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gsef\">con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of \u00a327<span class=\"_ _b\"></span>.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a33<span class=\"_ _6\"></span>3.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) incl<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>ve </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gsf0\">of fee<span class=\"_ _6\"></span>s and exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r the p<span class=\"_ _6\"></span>rogr<span class=\"_ _6\"></span>amm<span class=\"_ _6\"></span>e. Add<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, the<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gsf1\">Gro<span class=\"_ _6\"></span>up bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k 2.3 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n sha<span class=\"_ _6\"></span>res (202<span class=\"_ _0\"></span>4: nil) whi<span class=\"_ _6\"></span>ch were </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gsf2\">no<span class=\"_ _6\"></span>t can<span class=\"_ _6\"></span>cel<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d and we<span class=\"_ _6\"></span>re hel<span class=\"_ _6\"></span>d in tre<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y for cons<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gsf3\">\u00a33.0 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (2024: \u00a3nil).<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5f wsff gsf4\">Add<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly<span class=\"_ _0\"></span>, the Grou<span class=\"_ _6\"></span>p purch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>7<span class=\"_ _b\"></span>.7 <span class=\"_ _0\"></span>mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on share<span class=\"_ _6\"></span>s (2<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>4: <span class=\"_ _0\"></span>nil) for<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gsf5\">\u00a38.6 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (2<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>4: \u00a3nil) dur<span class=\"_ _6\"></span>ing th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>year end<span class=\"_ _6\"></span>ed 31 Dec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 202<span class=\"_ _0\"></span>5,<span class=\"_ _6\"></span> <span class=\"_ _0\"></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gsf6\">whi<span class=\"_ _6\"></span>ch were no<span class=\"_ _6\"></span>t can<span class=\"_ _6\"></span>cel<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d and are he<span class=\"_ _6\"></span>ld for t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ose of </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls29 ws16 gsf7\">sa<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he exerci<span class=\"_ _6\"></span>se of e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyee sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff5b fs3 fc1 sc0 ls76 ws7a gsf8\">i<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>) Re<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>g<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>o<span class=\"_ _6\"></span>f <span class=\"_ _0\"></span>d<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>fe<span class=\"_ _5\"></span>rr<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>a<span class=\"_ _6\"></span>s<span class=\"_ _6\"></span>se<span class=\"_ _5\"></span>t <span class=\"_ _0\"></span>(n<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>8 <span class=\"_ _0\"></span>a<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span>d 9)<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsf9\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s sho<span class=\"_ _6\"></span>uld b<span class=\"_ _6\"></span>e rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d for al<span class=\"_ _6\"></span>l de<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gsfa\">tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>es and t<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>x los<span class=\"_ _6\"></span>ses to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>hat i<span class=\"_ _6\"></span>t is </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsfb\">pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>xab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>ll be av<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ag<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>st wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsfc\">de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>e or t<span class=\"_ _6\"></span>ax lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>n be u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsfd\">A defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et of \u00a326.1 mill<span class=\"_ _6\"></span>ion h<span class=\"_ _6\"></span>as b<span class=\"_ _6\"></span>een re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed fo<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gsfe\">th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>rs<span class=\"_ _6\"></span>t tim<span class=\"_ _6\"></span>e rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e UK bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>ch is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>dere<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs100\">to have ac<span class=\"_ _6\"></span>hieve<span class=\"_ _6\"></span>d sus<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, evi<span class=\"_ _6\"></span>den<span class=\"_ _6\"></span>ced by t<span class=\"_ _6\"></span>wo </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs101\">con<span class=\"_ _6\"></span>sec<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ive pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e hal<span class=\"_ _6\"></span>f-year p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ds an<span class=\"_ _6\"></span>d an un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>rly<span class=\"_ _6\"></span>ing </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs102\">ta<span class=\"_ _6\"></span>xab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y po<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on in 2025 as we<span class=\"_ _6\"></span>ll as i<span class=\"_ _6\"></span>ncre<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs103\">cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y over t<span class=\"_ _6\"></span>he g<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>ear </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs104\">fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re. The re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t resul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s in a cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t to th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls29 ws76 gs105\">in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x lin<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t of com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs106\">in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e of \u00a326.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>is resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s in a hi<span class=\"_ _6\"></span>gh<span class=\"_ _6\"></span>er pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t for t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs107\">year a<span class=\"_ _6\"></span>nd ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s per s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re resul<span class=\"_ _6\"></span>t for t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>red to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs108\">th<span class=\"_ _6\"></span>e resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s had t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t not b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d. </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs109\">Fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t on ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s per s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re can </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs10a\">be fo<span class=\"_ _6\"></span>und i<span class=\"_ _6\"></span>n not<span class=\"_ _6\"></span>e 9.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2b ws6 gs10b\">Changes<span class=\"_ _0\"></span> in ac<span class=\"_ _0\"></span>counting<span class=\"_ _0\"></span> policy<span class=\"_ _0\"></span> and di<span class=\"_ _0\"></span>sclosur<span class=\"_ _0\"></span>es<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs10c\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has ad<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing n<span class=\"_ _6\"></span>ew an<span class=\"_ _6\"></span>d ame<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs10d\">IFRS<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d inte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons f<span class=\"_ _6\"></span>rom 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025. </div><div class=\"gs10e\"><table class=\"s w177 ha1\" id=\"_9144e8b9-871b-4224-8f00-03aff4633049\"><tr><td></td><td></td><td class=\"t m0 x369 h28 y2862 ff55 fs19 fc2 sc0 lsdb ws103\">Applicable f<span class=\"_ _0\"></span>or<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x36a h28 y2863 ff56 fs19 fc2 sc0 lscb wsef\">financial years</td></tr><tr><td></td><td></td><td class=\"t m0 x36b h28 y2864 ff55 fs19 fc2 sc0 lsc9 wsed\"> beginning<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2865 w178 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">Standard/interpretation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x36c y2865 w179 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">Content<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x36d h28 y2866 ff56 fs19 fc2 sc0 ls108 ws12f\">on/a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x36e h5 y2867 ff55 fs3 fc2 sc0 ls12 ws16\">Am<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts to I<span class=\"_ _6\"></span>AS 21 \u2013 L<span class=\"_ _6\"></span>ack o<span class=\"_ _6\"></span>f </td><td class=\"t m0 x36f h5 y2867 ff56 fs3 fc2 sc0 ls12 ws16\">Fore<span class=\"_ _6\"></span>ign </td><td class=\"t m0 x370 h5 y2867 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2868 ff55 fs3 fc2 sc0 ls3d ws47\">Exchangeabilit<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x36f h5 y2868 ff56 fs3 fc2 sc0 ls12 ws16\">excha<span class=\"_ _6\"></span>nge </td><td class=\"t m0 x371 h5 y2868 ff55 fs3 fc2 sc0 ls7 ws8\">2025<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x36f h5 y2869 ff56 fs3 fc2 sc0 ls3d ws47\">rates<span class=\"_ _2f2\"> </span></td><td></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs10f\">The a<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>dm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d inte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons l<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ted ab<span class=\"_ _6\"></span>ove did n<span class=\"_ _6\"></span>ot </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs110\">ma<span class=\"_ _6\"></span>teri<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>nt yea<span class=\"_ _6\"></span>r and a<span class=\"_ _6\"></span>re not ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed to </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs111\">materially affect future y<span class=\"_ _0\"></span>ears.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs112\">Ce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain n<span class=\"_ _6\"></span>ew acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng s<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>rds an<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>erp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s have </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs113\">be<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>ubl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re no<span class=\"_ _6\"></span>t man<span class=\"_ _6\"></span>dato<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y for 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cemb<span class=\"_ _6\"></span>er 2025 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs114\">rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g year<span class=\"_ _6\"></span>s and h<span class=\"_ _6\"></span>ave not b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n ear<span class=\"_ _6\"></span>ly ad<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>ted by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs115\">as fol<span class=\"_ _6\"></span>lows:<span class=\"_ _2f2\"> </span></div><div class=\"gs116\"><table class=\"s w177 ha2\" id=\"_99b441ec-bfa4-44ba-ab78-f8a183a6c397\"><tr><td></td><td></td><td class=\"t m0 x369 h28 y286a ff55 fs19 fc2 sc0 lsdb ws103\">Applicable f<span class=\"_ _0\"></span>or<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x36a h28 y286b ff56 fs19 fc2 sc0 lscb wsef\">financial years</td></tr><tr><td></td><td></td><td class=\"t m0 x36b h28 y286c ff55 fs19 fc2 sc0 lsc9 wsed\"> beginning<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y286e w178 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Standard/interpretation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x36c y286e w179 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Content<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x36d h28 y286f ff56 fs19 fc2 sc0 ls108 ws12f\">on/a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x36e h5 y2870 ff55 fs3 fc2 sc0 ls12 ws16\">Am<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt to IFR<span class=\"_ _6\"></span>S 9 and I<span class=\"_ _6\"></span>FRS 7 </td><td class=\"t m0 x36f h5 y2870 ff56 fs3 fc2 sc0 ls81 wsad\">Financi<span class=\"_ _6\"></span>al </td><td class=\"t m0 x370 h5 y2870 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2871 ff55 fs3 fc2 sc0 ls3d ws47\">\u2013 Classification and Measur<span class=\"_ _0\"></span>ement </td><td class=\"t m0 x36f h5 y2871 ff56 fs3 fc2 sc0 ls3d ws47\">instruments<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x371 h5 y2871 ff56 fs3 fc2 sc0 ls29 ws87\">2026<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x36e h5 y2872 ff55 fs3 fc2 sc0 ls3d ws47\">of Financ<span class=\"_ _0\"></span>ial Instruments<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x36e h5 y2873 ff55 fs3 fc2 sc0 ls12 ws16\">IFRS 1<span class=\"_ _6\"></span>8 Pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and </td><td class=\"t m0 x36f h5 y2873 ff56 fs3 fc2 sc0 ls81 wsad\">Financi<span class=\"_ _6\"></span>al </td><td class=\"t m0 x370 h5 y2873 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2874 ff56 fs3 fc2 sc0 ls3d ws47\">Disclosur<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span> Financial Statements<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x36f h5 y2874 ff56 fs3 fc2 sc0 lsd1 wsf5\">statements </td><td class=\"t m0 x371 h5 y2874 ff55 fs3 fc2 sc0 ls7 ws8\">2027<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x36f h5 y2875 ff56 fs3 fc2 sc0 ls6c wsf9\">disclosures<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x36e h5 y2876 ff55 fs3 fc2 sc0 ls12 ws16\">IFRS 1<span class=\"_ _6\"></span>9 Su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t </td><td class=\"t m0 x36f h5 y2876 ff56 fs3 fc2 sc0 ls81 wsad\">Financi<span class=\"_ _6\"></span>al </td><td class=\"t m0 x370 h5 y2876 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2877 ff55 fs3 fc2 sc0 ls3d ws47\">Public A<span class=\"_ _0\"></span>ccountabilit<span class=\"_ _6\"></span>y: Disc<span class=\"_ _0\"></span>losures<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x36f h5 y2877 ff56 fs3 fc2 sc0 lsd1 wsf5\">statements </td><td class=\"t m0 x371 h5 y2877 ff55 fs3 fc2 sc0 ls7 ws8\">2027<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x36f h5 y2878 ff56 fs3 fc2 sc0 ls6c wsf9\">disclosures<span class=\"_ _2f2\"> </span></td><td></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs117\">Wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of I<span class=\"_ _6\"></span>FRS 18, t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>se s<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>rds are n<span class=\"_ _6\"></span>ot </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs118\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted to h<span class=\"_ _6\"></span>ave a mate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>al im<span class=\"_ _6\"></span>pac<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cur<span class=\"_ _6\"></span>rent </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs119\">or fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g years or o<span class=\"_ _6\"></span>n forese<span class=\"_ _6\"></span>eab<span class=\"_ _6\"></span>le fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls30 ws38 gs11a\">IFRS 1<span class=\"_ _6\"></span>8 was i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n Apr<span class=\"_ _6\"></span>il 2024 and is ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>ive fo<span class=\"_ _6\"></span>r per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ds </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls30 ws38 gs11b\">be<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g on o<span class=\"_ _6\"></span>r af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r 1 Jan<span class=\"_ _6\"></span>uar<span class=\"_ _6\"></span>y 2027<span class=\"_ _b\"></span>. Ea<span class=\"_ _6\"></span>rly a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls30 ws38 gs11c\">pe<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ed an<span class=\"_ _6\"></span>d com<span class=\"_ _6\"></span>par<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ives wi<span class=\"_ _6\"></span>ll re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>re rest<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>. The </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs11d\">st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>dar<span class=\"_ _6\"></span>d will rep<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ce IA<span class=\"_ _6\"></span>S 1 Presen<span class=\"_ _6\"></span>tat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of Fina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs11e\">It w<span class=\"_ _6\"></span>ill n<span class=\"_ _6\"></span>ot ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e how i<span class=\"_ _6\"></span>tems a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>nd me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>red bu<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs11f\">wil<span class=\"_ _6\"></span>l focu<span class=\"_ _6\"></span>s on th<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>ome s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>nd rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs120\">pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce, sp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, clas<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g inc<span class=\"_ _6\"></span>ome a<span class=\"_ _6\"></span>nd exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs121\">in<span class=\"_ _6\"></span>to thre<span class=\"_ _6\"></span>e new def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed c<span class=\"_ _6\"></span>ateg<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ies \u2013 \u201cop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng\u201d, \u201cinves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng\u201d an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs122\">\u201c<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>ng\u201d, and t<span class=\"_ _6\"></span>wo new sub<span class=\"_ _6\"></span>tot<span class=\"_ _6\"></span>als \u2013 \u201cop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>\u201d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs123\">an<span class=\"_ _6\"></span>d \u201cprof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r loss b<span class=\"_ _6\"></span>efore f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>ng an<span class=\"_ _6\"></span>d inco<span class=\"_ _6\"></span>me ta<span class=\"_ _6\"></span>x\u201d, intro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs124\">dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sures o<span class=\"_ _6\"></span>f man<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt-d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>res </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs125\">(\u201c<span class=\"_ _6\"></span>MPMs<span class=\"_ _6\"></span>\u201d) an<span class=\"_ _6\"></span>d enh<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ing ge<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>ral re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s on agg<span class=\"_ _6\"></span>rega<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls5d ws16 gs126\">an<span class=\"_ _6\"></span>d dis<span class=\"_ _6\"></span>agg<span class=\"_ _6\"></span>reg<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>. The im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ard is i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs127\">pro<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>s of bei<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>sed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs129\">Summary of n<span class=\"_ _0\"></span>ew<span class=\"_ _0\"></span> and amended<span class=\"_ _0\"></span> acc<span class=\"_ _0\"></span>ounting<span class=\"_ _0\"></span> policies<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs12a\">The<span class=\"_ _6\"></span>re were no n<span class=\"_ _6\"></span>ew or a<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng po<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>cies re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs12b\">th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l year e<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs12c\">Summary of e<span class=\"_ _0\"></span>xisting<span class=\"_ _0\"></span> acc<span class=\"_ _0\"></span>ounting<span class=\"_ _0\"></span> policies<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls77 ws32 gs12d\">Basis of consolidation<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs12e\">Wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ha<span class=\"_ _6\"></span>s con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l over an inves<span class=\"_ _6\"></span>tee<span class=\"_ _6\"></span>, it is c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs12f\">as a su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The Gro<span class=\"_ _6\"></span>up co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rols a<span class=\"_ _6\"></span>n inves<span class=\"_ _6\"></span>tee i<span class=\"_ _6\"></span>f all t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs130\">th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng el<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s are pre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>t: p<span class=\"_ _6\"></span>ower over t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs131\">exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to var<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>le re<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>ns fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tee, a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs132\">of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tor to u<span class=\"_ _6\"></span>se i<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>ower to af<span class=\"_ _5\"></span>fect t<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>se var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e retu<span class=\"_ _6\"></span>rns<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs133\">Co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol is re<span class=\"_ _6\"></span>asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d wh<span class=\"_ _6\"></span>eneve<span class=\"_ _6\"></span>r fac<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd ci<span class=\"_ _6\"></span>rcums<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs134\">in<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t the<span class=\"_ _6\"></span>re may b<span class=\"_ _6\"></span>e a chan<span class=\"_ _6\"></span>ge i<span class=\"_ _6\"></span>n any of t<span class=\"_ _6\"></span>hese e<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls39 ws42 gs135\">of co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs136\">Str<span class=\"_ _6\"></span>uctured entities are<span class=\"_ _0\"></span> entities that are<span class=\"_ _0\"></span> designed so<span class=\"_ _0\"></span> that their </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs137\">ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s are no<span class=\"_ _6\"></span>t gover<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d by vot<span class=\"_ _6\"></span>ing r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. In as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs138\">whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as powe<span class=\"_ _6\"></span>r over su<span class=\"_ _6\"></span>ch en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs139\">con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ers f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tors s<span class=\"_ _6\"></span>uch a<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e pur<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>e and d<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>ign of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs13a\">en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, its p<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>evan<span class=\"_ _6\"></span>t ac<span class=\"_ _6\"></span>tiv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs13b\">en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, the n<span class=\"_ _6\"></span>atu<span class=\"_ _6\"></span>re of t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, and t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs13c\">size of i<span class=\"_ _6\"></span>ts exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to th<span class=\"_ _6\"></span>e var<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y of re<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>rns o<span class=\"_ _6\"></span>f the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs13d\">The c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s pres<span class=\"_ _6\"></span>ent t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs13e\">th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny and i<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ies as i<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>hey for<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>d a sin<span class=\"_ _6\"></span>gl<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs13f\">en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Inte<span class=\"_ _6\"></span>rcom<span class=\"_ _6\"></span>pany t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs140\">Group c<span class=\"_ _0\"></span>ompanies ar<span class=\"_ _0\"></span>e there<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>e eliminat<span class=\"_ _0\"></span>ed in full.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs141\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e acq<span class=\"_ _6\"></span>uis<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d to acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t for </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs142\">bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess co<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons. I<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs143\">th<span class=\"_ _6\"></span>e acq<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>e\u2019s id<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>nt </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs144\">li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es are in<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>t the<span class=\"_ _6\"></span>ir f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>es at t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs145\">acq<span class=\"_ _6\"></span>uis<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n da<span class=\"_ _6\"></span>te. Acqu<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>-rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs146\">prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss as i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. The re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f acq<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs147\">are in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>rehe<span class=\"_ _6\"></span>nsive </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs148\">in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e from t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate o<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l is ob<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d. Th<span class=\"_ _6\"></span>ey are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs149\">de<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate on w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l ceas<span class=\"_ _6\"></span>es.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws5 gs14a\">Foreign<span class=\"_ _0\"></span> currenc<span class=\"_ _0\"></span>y translation<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs14b\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons e<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>o by Group e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>n a cur<span class=\"_ _6\"></span>rency o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls2f ws16 gs14c\">th<span class=\"_ _6\"></span>an t<span class=\"_ _6\"></span>he cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy of t<span class=\"_ _6\"></span>he pr<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y e<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>c enviro<span class=\"_ _6\"></span>nm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs14d\">whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>ey ope<span class=\"_ _6\"></span>rate (t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir \u201c<span class=\"_ _6\"></span>fu<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>y\u201d<span class=\"_ _6\"></span>) are reco<span class=\"_ _6\"></span>rde<span class=\"_ _6\"></span>d at </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls24 ws2c gs14e\">th<span class=\"_ _6\"></span>e rat<span class=\"_ _6\"></span>es ru<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>rans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons o<span class=\"_ _6\"></span>ccu<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>. Forei<span class=\"_ _6\"></span>gn cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls24 ws2c gs14f\">mo<span class=\"_ _6\"></span>net<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es are t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d at t<span class=\"_ _6\"></span>he prev<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ing </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls24 ws16 gs150\">ra<span class=\"_ _6\"></span>te at th<span class=\"_ _6\"></span>e rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g dat<span class=\"_ _6\"></span>e. Exc<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>es ar<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng on t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls24 ws2c gs151\">ret<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sla<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of u<span class=\"_ _6\"></span>nse<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d mon<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es are </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls24 ws16 gs152\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d imm<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>ly in p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs153\">On d<span class=\"_ _6\"></span>isp<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>al of a fore<span class=\"_ _6\"></span>ign o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, th<span class=\"_ _6\"></span>e cum<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve exchan<span class=\"_ _6\"></span>ge </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs154\">di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d in th<span class=\"_ _6\"></span>e forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs155\">rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing to t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n up to t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate of d<span class=\"_ _6\"></span>isp<span class=\"_ _6\"></span>osa<span class=\"_ _6\"></span>l are </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs156\">tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red to t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>nsive </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs157\">in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e as pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss o<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs158\">Presentation c<span class=\"_ _0\"></span>urrency<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs159\">These c<span class=\"_ _0\"></span>onsolidated financial<span class=\"_ _0\"></span> statements are<span class=\"_ _0\"></span> present<span class=\"_ _0\"></span>ed in </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs15a\">GB<span class=\"_ _6\"></span>P ste<span class=\"_ _6\"></span>rli<span class=\"_ _6\"></span>ng, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h is t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s p<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs15b\">Al<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies of ove<span class=\"_ _6\"></span>rsea<span class=\"_ _6\"></span>s op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons, i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs15c\">go<span class=\"_ _6\"></span>odw<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g on t<span class=\"_ _6\"></span>he ac<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns, a<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs15d\">tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed at t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>revail<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g rate a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ate. I<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs15e\">an<span class=\"_ _6\"></span>d expe<span class=\"_ _6\"></span>nse i<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>s are tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted at t<span class=\"_ _6\"></span>he ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e excha<span class=\"_ _6\"></span>nge </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs15f\">ra<span class=\"_ _6\"></span>tes for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, unl<span class=\"_ _6\"></span>ess exch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge ra<span class=\"_ _6\"></span>tes fl<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ate s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>tly </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs160\">du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>at yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, in whi<span class=\"_ _6\"></span>ch c<span class=\"_ _6\"></span>ase t<span class=\"_ _6\"></span>he exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e rate<span class=\"_ _6\"></span>s at t<span class=\"_ _6\"></span>he da<span class=\"_ _6\"></span>te </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs161\">of t<span class=\"_ _6\"></span>rans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re use<span class=\"_ _6\"></span>d. E<span class=\"_ _6\"></span>xcha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nces a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g are </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs162\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r com<span class=\"_ _6\"></span>preh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e and a<span class=\"_ _6\"></span>ccu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs163\">in e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs165\">Go<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>wil<span class=\"_ _6\"></span>l and f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e adj<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g on t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>cqu<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs166\">of a fore<span class=\"_ _6\"></span>ign e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>re tre<span class=\"_ _6\"></span>ated a<span class=\"_ _6\"></span>s ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>nd li<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs167\">for<span class=\"_ _0\"></span>eign entit<span class=\"_ _6\"></span>y and<span class=\"_ _0\"></span> translated at<span class=\"_ _0\"></span> the pre<span class=\"_ _0\"></span>vailing<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span> at the </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs168\">repor<span class=\"_ _6\"></span>ting date<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs169\">Segment r<span class=\"_ _0\"></span>eporting<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls4c ws47 gs16a\">Operating segments are<span class=\"_ _0\"></span> reported in the manner<span class=\"_ _0\"></span> consistent </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2b ws66 gs16b\">wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal re<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d to the ch<span class=\"_ _6\"></span>ief o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2b ws66 gs16c\">de<span class=\"_ _6\"></span>cisi<span class=\"_ _6\"></span>on m<span class=\"_ _6\"></span>aker (\u201cC<span class=\"_ _6\"></span>OD<span class=\"_ _6\"></span>M\u201d<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>. The CO<span class=\"_ _6\"></span>DM<span class=\"_ _6\"></span>, whic<span class=\"_ _6\"></span>h is th<span class=\"_ _6\"></span>e fun<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5 ws43 gs16d\">responsible<span class=\"_ _0\"></span> f<span class=\"_ _0\"></span>or <span class=\"_ _0\"></span>allocating re<span class=\"_ _0\"></span>sources<span class=\"_ _0\"></span> and<span class=\"_ _0\"></span> a<span class=\"_ _0\"></span>ssessing <span class=\"_ _0\"></span>per<span class=\"_ _6\"></span>formance </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls77 ws7c gs16e\">of th<span class=\"_ _6\"></span>e ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g seg<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts, ha<span class=\"_ _6\"></span>s bee<span class=\"_ _6\"></span>n ide<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as the E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs16f\">Co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>e (\u201c<span class=\"_ _6\"></span>Ex<span class=\"_ _6\"></span>Co\u201d<span class=\"_ _6\"></span>), whic<span class=\"_ _6\"></span>h makes s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rate<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>c dec<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ons. Fo<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs170\">ea<span class=\"_ _6\"></span>ch id<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing s<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sed </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs171\">info<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on fo<span class=\"_ _6\"></span>r the key p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ind<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ator<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs172\">ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly to revi<span class=\"_ _6\"></span>ew an<span class=\"_ _6\"></span>d ste<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e in th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls3d ws47 gs173\">Str<span class=\"_ _6\"></span>ategic<span class=\"_ _0\"></span> Repor<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs174\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en se<span class=\"_ _6\"></span>gm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s are o<span class=\"_ _6\"></span>n an ar<span class=\"_ _6\"></span>m\u2019s le<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>th b<span class=\"_ _6\"></span>asis </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs175\">in a m<span class=\"_ _6\"></span>ann<span class=\"_ _6\"></span>er si<span class=\"_ _6\"></span>mil<span class=\"_ _6\"></span>ar to t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>hird p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>tie<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs176\">Exceptional it<span class=\"_ _0\"></span>ems<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs177\">E<span class=\"_ _6\"></span>xcep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l ite<span class=\"_ _6\"></span>ms are t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>tems o<span class=\"_ _6\"></span>f inc<span class=\"_ _6\"></span>ome o<span class=\"_ _6\"></span>r exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e tha<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs178\">th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p cons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>rs are ma<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ial, o<span class=\"_ _6\"></span>ne-<span class=\"_ _6\"></span>of<span class=\"_ _5\"></span>f in natu<span class=\"_ _6\"></span>re and of </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls25 ws47 gs179\">such significance that they<span class=\"_ _0\"></span> merit separate<span class=\"_ _0\"></span> presentation in </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gs17a\">ord<span class=\"_ _6\"></span>er to aid the rea<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>\u2019s und<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ing of th<span class=\"_ _6\"></span>e Group\u2019s f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs17b\">pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce. Su<span class=\"_ _6\"></span>ch i<span class=\"_ _6\"></span>tems wo<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>d inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>ses </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs17c\">on d<span class=\"_ _6\"></span>isp<span class=\"_ _6\"></span>osa<span class=\"_ _6\"></span>l of bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>es, t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s, ac<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs17d\">an<span class=\"_ _6\"></span>d dis<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>als<span class=\"_ _6\"></span>, maj<span class=\"_ _6\"></span>or res<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>s, si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ant </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs17e\">go<span class=\"_ _6\"></span>odw<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l or ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r ass<span class=\"_ _6\"></span>et im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s, an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ticu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>rly </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs17f\">signific<span class=\"_ _6\"></span>ant or<span class=\"_ _0\"></span> unusual<span class=\"_ _0\"></span> items.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs180\">Income recognition<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs181\">Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>e wi<span class=\"_ _6\"></span>th I<span class=\"_ _6\"></span>FRS 15 w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h provid<span class=\"_ _6\"></span>es </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs182\">a sin<span class=\"_ _6\"></span>gl<span class=\"_ _6\"></span>e, pr<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>ipl<span class=\"_ _6\"></span>es-<span class=\"_ _6\"></span>bas<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>ive<span class=\"_ _6\"></span>-ste<span class=\"_ _6\"></span>p mo<span class=\"_ _6\"></span>del t<span class=\"_ _6\"></span>o be ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ied to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs183\">all c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th c<span class=\"_ _6\"></span>usto<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>rs: </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs184\">1) <span class=\"_ _1f\"> </span>i<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the c<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tome<span class=\"_ _6\"></span>r; </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs185\">2) <span class=\"_ _19\"> </span>id<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>y th<span class=\"_ _6\"></span>e per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t; </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs186\">3) <span class=\"_ _19\"> </span>d<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ine t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ce; </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs187\">4) <span class=\"_ _19\"> </span> <span class=\"_ _2d\"></span>a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>te th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on pr<span class=\"_ _6\"></span>ice t<span class=\"_ _6\"></span>o the p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs188\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>ts, o<span class=\"_ _6\"></span>n a rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>lon<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs189\">se<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>ng pr<span class=\"_ _6\"></span>ice b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s; and </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs18a\">5) <span class=\"_ _15\"> </span> <span class=\"_ _2d\"></span>re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>e whe<span class=\"_ _6\"></span>n (or as) the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y s<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>es i<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd4 wsf8 gs18b\">per<span class=\"_ _6\"></span>formanc<span class=\"_ _0\"></span>e obligation.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs18c\">Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed for t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns is cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs18d\">as <span class=\"ff53 lsd4 wsf8\">transaction fees<span class=\"_ _0\"></span><span class=\"ff55 ls12 ws16\">. The c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs18e\">an<span class=\"_ _6\"></span>d rela<span class=\"_ _6\"></span>ted te<span class=\"_ _6\"></span>rms a<span class=\"_ _6\"></span>re cle<span class=\"_ _6\"></span>arl<span class=\"_ _6\"></span>y id<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e. The p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs18f\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t is co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to be t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls29 ws16 gs190\">of <span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on pr<span class=\"_ _6\"></span>ice i<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs191\">clear<span class=\"_ _6\"></span>ly sta<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e bor<span class=\"_ _6\"></span>rower<span class=\"_ _6\"></span>\u2019s co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t. Fe<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls29 ws16 gs192\">imm<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>iat<span class=\"_ _6\"></span>ely o<span class=\"_ _6\"></span>nce l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns are fu<span class=\"_ _6\"></span>lly f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d and a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs193\">are acc<span class=\"_ _6\"></span>ept<span class=\"_ _6\"></span>ed by the b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowers<span class=\"_ _6\"></span>. At this p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t the p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs194\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en met<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>ere are no cl<span class=\"_ _6\"></span>awb<span class=\"_ _6\"></span>ack provi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls29 ws16 gs195\">an<span class=\"_ _6\"></span>d the fe<span class=\"_ _6\"></span>e is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d. Su<span class=\"_ _6\"></span>ch fee<span class=\"_ _6\"></span>s are au<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs196\">de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d from th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowed.<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs197\">Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom refer<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ls to pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ner l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>s is </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs198\">cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as <span class=\"ff53 lsd4 wsf8\">transaction fees<span class=\"_ _0\"></span><span class=\"ff56 ls12 ws16\">. The<span class=\"_ _6\"></span>re are con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ts in p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ce </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs199\">wi<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>tne<span class=\"_ _6\"></span>r len<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>rs wi<span class=\"_ _6\"></span>th c<span class=\"_ _6\"></span>lea<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>y ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e term<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs19a\">pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs19b\">refer<span class=\"_ _6\"></span>ral by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>nd su<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g of th<span class=\"_ _6\"></span>e refer<span class=\"_ _6\"></span>red </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs19c\">lo<span class=\"_ _6\"></span>an by t<span class=\"_ _6\"></span>he pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ner i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>e is </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs19d\">cle<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ly s<span class=\"_ _6\"></span>tat<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>ferr<span class=\"_ _6\"></span>al ag<span class=\"_ _6\"></span>ree<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. Fe<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs19e\">on<span class=\"_ _6\"></span>ce th<span class=\"_ _6\"></span>e refer<span class=\"_ _6\"></span>red l<span class=\"_ _6\"></span>oan h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>r lend<span class=\"_ _6\"></span>er </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls7 ws8 gs19f\">an<span class=\"_ _6\"></span>d acce<span class=\"_ _6\"></span>pte<span class=\"_ _6\"></span>d by the refer<span class=\"_ _6\"></span>red b<span class=\"_ _6\"></span>orrowe<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>. At thi<span class=\"_ _6\"></span>s poi<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1a0\">pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n me<span class=\"_ _6\"></span>t and t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re are no </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls3d ws47 gs1a1\">signific<span class=\"_ _6\"></span>ant c<span class=\"_ _0\"></span>lawback pr<span class=\"_ _0\"></span>ovi<span class=\"_ _0\"></span>sions. </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1a3\">Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vici<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hird p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns is </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls79 ws80 gs1a4\">class<span class=\"_ _6\"></span>ifi<span class=\"_ _6\"></span>ed as<span class=\"ff5f ls12 ws16\"> ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g fees <span class=\"ff55\">a<span class=\"_ _6\"></span>nd is a c<span class=\"_ _6\"></span>ost o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e invest<span class=\"_ _6\"></span>or<span class=\"_ _0\"></span>. It </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1a5\">com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ises a<span class=\"_ _6\"></span>n ann<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>lise<span class=\"_ _6\"></span>d fee re<span class=\"_ _6\"></span>pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g a pe<span class=\"_ _6\"></span>rcent<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1a6\">ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal<span class=\"_ _6\"></span>. The co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ual b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s for th<span class=\"_ _6\"></span>e se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vici<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1a7\">fee a<span class=\"_ _6\"></span>nd tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>e is ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ter<span class=\"_ _6\"></span>ms an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1a8\">ag<span class=\"_ _6\"></span>reed by i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs to t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m. Th<span class=\"_ _6\"></span>e per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1a9\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>s ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd al<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g rep<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>f </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1aa\">th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tive l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>s. The t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n pr<span class=\"_ _6\"></span>ice </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1ab\">is al<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ted as a p<span class=\"_ _6\"></span>erce<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>age o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1ac\">ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce, rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1ad\">Fee<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on a mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hly b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s up<span class=\"_ _6\"></span>on rep<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1ae\">lo<span class=\"_ _6\"></span>an p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s. Du<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns, t<span class=\"_ _6\"></span>here a<span class=\"_ _6\"></span>re no </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1af\">pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly co<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ts at t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et d<span class=\"_ _6\"></span>ate an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs1b0\">no advanc<span class=\"_ _0\"></span>e pa<span class=\"_ _0\"></span>yments fr<span class=\"_ _0\"></span>om cu<span class=\"_ _0\"></span>stomers.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1b1\">Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom in<span class=\"_ _6\"></span>terch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e fees f<span class=\"_ _6\"></span>rom Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1b2\">ca<span class=\"_ _6\"></span>rd and C<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>hba<span class=\"_ _6\"></span>ck c<span class=\"_ _6\"></span>ard is cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as a <span class=\"ff53 lsd4 wsf8\">transaction fee<span class=\"_ _0\"></span><span class=\"ff56 ls12 ws16\">. </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1b3\">A con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t is in p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ard p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>er wh<span class=\"_ _6\"></span>ich re<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd5 ws5e gs1b4\">fee reven<span class=\"_ _6\"></span>ues to t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. C<span class=\"_ _6\"></span>ard fe<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>tely<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1b5\">at t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t of tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on as a<span class=\"_ _6\"></span>t thi<span class=\"_ _6\"></span>s po<span class=\"_ _6\"></span>int t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1b6\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion h<span class=\"_ _6\"></span>as b<span class=\"_ _6\"></span>een m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>. Bo<span class=\"_ _6\"></span>rrower<span class=\"_ _6\"></span>s usi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r Flex<span class=\"_ _6\"></span>iPay c<span class=\"_ _6\"></span>ard </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1b7\">may \u201c<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>lip<span class=\"_ _6\"></span>\u201d the b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e into a Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay lo<span class=\"_ _6\"></span>an re<span class=\"_ _6\"></span>payab<span class=\"_ _6\"></span>le over t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1b8\">ag<span class=\"_ _6\"></span>reed t<span class=\"_ _6\"></span>erm o<span class=\"_ _6\"></span>f the d<span class=\"_ _6\"></span>rawd<span class=\"_ _6\"></span>own an<span class=\"_ _6\"></span>d for a fe<span class=\"_ _6\"></span>e. The fe<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls77 ws7c gs1b9\">by bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>rs wh<span class=\"_ _6\"></span>o fli<span class=\"_ _6\"></span>p the<span class=\"_ _6\"></span> card b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>e into a lo<span class=\"_ _6\"></span>an is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1ba\">un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9 fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>int o<span class=\"_ _6\"></span>f the f<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>p over th<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>fe of th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1bb\">un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t rate m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d and is re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs1bc\">under <span class=\"ff53 ls3d ws47\">interest income<span class=\"_ _0\"></span><span class=\"ff56 ls12 ws16\">.<span class=\"_ _2f2\"> </span></span></span></div><div class=\"t m0 h5 ff53 fs3 fc2 sc0 ls6c wsf8 gs1bd\">Other fees<span class=\"_ _0\"></span><span class=\"ff56 ls5 wsf9\"> includes inco<span class=\"_ _6\"></span>me from collect<span class=\"_ _6\"></span>ions charges levied </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1be\">on t<span class=\"_ _6\"></span>he su<span class=\"_ _6\"></span>cce<span class=\"_ _6\"></span>ss<span class=\"_ _6\"></span>ful re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>y of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>ese are </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1bf\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vice<span class=\"_ _6\"></span>s are pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>d or p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1c0\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s are me<span class=\"_ _6\"></span>t. I<span class=\"_ _6\"></span>t al<span class=\"_ _6\"></span>so in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>-re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2d ws35 gs1c1\">fees re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed to th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld by cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1c2\">an<span class=\"_ _6\"></span>d any gai<span class=\"_ _6\"></span>n on s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e of lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gs1c3\">Ne<span class=\"_ _6\"></span>t inc<span class=\"_ _6\"></span>ome i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g el<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>er wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1c4\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia o<span class=\"_ _6\"></span>f IFRS 9 a<span class=\"_ _6\"></span>nd no<span class=\"_ _6\"></span>t IFRS 1<span class=\"_ _6\"></span>5 are a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d:<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1c5\">In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>es:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs1c6\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff56 fc2 ls7\">inte<span class=\"_ _6\"></span>rest i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed on a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs1c7\">under the e<span class=\"_ _0\"></span>f<span class=\"_ _6\"></span>fective<span class=\"_ _0\"></span> inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e method inc<span class=\"_ _0\"></span>luding f<span class=\"_ _0\"></span>ees </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2d ws35 gs1c8\">in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red on Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay drawd<span class=\"_ _6\"></span>owns an<span class=\"_ _6\"></span>d Flex<span class=\"_ _6\"></span>iPay c<span class=\"_ _6\"></span>ard \u201c<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>lip<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d\u201d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1c9\">ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces, a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n Cas<span class=\"_ _6\"></span>hba<span class=\"_ _6\"></span>ck c<span class=\"_ _6\"></span>ard dr<span class=\"_ _6\"></span>awn </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1ca\">ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e on co<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ate c<span class=\"_ _6\"></span>ash an<span class=\"_ _6\"></span>d cli<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1cb\">mo<span class=\"_ _6\"></span>nies h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d. I<span class=\"_ _6\"></span>t also i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e on mo<span class=\"_ _6\"></span>ney </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1cc\">ma<span class=\"_ _6\"></span>rket f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd1 wsf5 gs1cd\">Inv<span class=\"_ _0\"></span>estment income<span class=\"_ _0\"></span> includes<span class=\"_ _0\"></span>:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs1ce\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me f<span class=\"_ _6\"></span>rom SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1cf\">th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>s on b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1d0\">Fair va<span class=\"_ _6\"></span>lue g<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>s/l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs1d1\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">g<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ns/l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es fro<span class=\"_ _6\"></span>m cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1d2\">ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d on ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>hee<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1d3\">Cos<span class=\"_ _6\"></span>t of f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs1d4\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest p<span class=\"_ _6\"></span>ayab<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>n fun<span class=\"_ _6\"></span>ds b<span class=\"_ _6\"></span>orrowe<span class=\"_ _6\"></span>d to f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ing </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1d5\">of li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd sh<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1d6\">Ne<span class=\"_ _6\"></span>t inc<span class=\"_ _6\"></span>ome re<span class=\"_ _6\"></span>cord<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>s gen<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1d7\">in t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K, G<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>any an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Net<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>s. Al<span class=\"_ _6\"></span>l fees a<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1d8\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d and m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>bove in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs1d9\">recognition policy<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs1db\">Cashback card<span class=\"_ _0\"></span> accounting </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1dc\">Cas<span class=\"_ _6\"></span>hb<span class=\"_ _6\"></span>ack of<span class=\"_ _5\"></span>fered o<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup is </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs1dd\">con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to fall un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r IFRS 15 wh<span class=\"_ _6\"></span>ere i<span class=\"_ _6\"></span>t is cont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ly li<span class=\"_ _6\"></span>nked </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs1de\">to ca<span class=\"_ _6\"></span>rd spe<span class=\"_ _6\"></span>nd whe<span class=\"_ _6\"></span>re an inte<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>nge fe<span class=\"_ _6\"></span>e is gen<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ted at t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs1df\">po<span class=\"_ _6\"></span>int of sp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>d. Wh<span class=\"_ _6\"></span>ere th<span class=\"_ _6\"></span>e cash<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>ck reward to t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrower is<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs1e0\">ca<span class=\"_ _6\"></span>sh set<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d or ne<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d agai<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>t an ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce du<span class=\"_ _6\"></span>e from </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs1e1\">th<span class=\"_ _6\"></span>e cust<span class=\"_ _6\"></span>ome<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, it is tre<span class=\"_ _6\"></span>ated as a red<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on in th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n pr<span class=\"_ _6\"></span>ice </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs1e2\">un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 15 an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>re is no ong<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>g per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e obl<span class=\"_ _6\"></span>iga<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1e3\">beyo<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rd tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h inte<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>nge fe<span class=\"_ _6\"></span>e in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs1e4\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d net of th<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>hba<span class=\"_ _6\"></span>ck gr<span class=\"_ _6\"></span>ante<span class=\"_ _6\"></span>d. The c<span class=\"_ _6\"></span>ash<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>ck reward<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1e5\">pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>mme d<span class=\"_ _6\"></span>oe<span class=\"_ _6\"></span>s not cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly of<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>r bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>rs th<span class=\"_ _6\"></span>e op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1e6\">excha<span class=\"_ _6\"></span>nge t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir c<span class=\"_ _6\"></span>ash<span class=\"_ _6\"></span>bac<span class=\"_ _6\"></span>k reward fo<span class=\"_ _6\"></span>r ot<span class=\"_ _6\"></span>her n<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-c<span class=\"_ _6\"></span>ash g<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>ds or </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1e7\">ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s. Wh<span class=\"_ _6\"></span>ere b<span class=\"_ _6\"></span>orrow<span class=\"_ _6\"></span>ers d<span class=\"_ _6\"></span>o not re<span class=\"_ _6\"></span>pay t<span class=\"_ _6\"></span>he fu<span class=\"_ _6\"></span>ll b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce d<span class=\"_ _6\"></span>ue </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1e8\">on t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r ca<span class=\"_ _6\"></span>rd an<span class=\"_ _6\"></span>d cho<span class=\"_ _6\"></span>ose to revol<span class=\"_ _6\"></span>ve an el<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f it<span class=\"_ _6\"></span>, int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1e9\">in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d und<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 9 on t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>ed.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls77 ws32 gs1ea\">Administr<span class=\"_ _6\"></span>ative<span class=\"_ _0\"></span> expenses<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1eb\">Adm<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>ive ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed as a<span class=\"_ _6\"></span>n exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e in t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1ec\">st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>rehe<span class=\"_ _6\"></span>nsive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me in t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d in wh<span class=\"_ _6\"></span>ich </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1ed\">th<span class=\"_ _6\"></span>ey are in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red o<span class=\"_ _6\"></span>n an ac<span class=\"_ _6\"></span>cru<span class=\"_ _6\"></span>als b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs1ee\">Share-based payments<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1ef\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>es a num<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r of eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y-se<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d sha<span class=\"_ _6\"></span>re-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1f0\">com<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on pl<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>, und<span class=\"_ _6\"></span>er wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup re<span class=\"_ _6\"></span>ceive<span class=\"_ _6\"></span>s ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1f1\">fro<span class=\"_ _6\"></span>m emp<span class=\"_ _6\"></span>loyee<span class=\"_ _6\"></span>s as co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r equ<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1f2\">(opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d sha<span class=\"_ _6\"></span>res) of th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny<span class=\"_ _0\"></span>. The fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1f3\">em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ived i<span class=\"_ _6\"></span>n exchan<span class=\"_ _6\"></span>ge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e gra<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1f4\">op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons an<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>ares is re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed as a<span class=\"_ _6\"></span>n exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e. The to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1f5\">amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t to be ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>s dete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d by refere<span class=\"_ _6\"></span>nce to t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>air </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1f6\">val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s gra<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs1f7\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ny mar<span class=\"_ _6\"></span>ket pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce co<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns (for ex<span class=\"_ _6\"></span>amp<span class=\"_ _6\"></span>le, </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1f8\">an e<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>\u2019s sha<span class=\"_ _6\"></span>re pr<span class=\"_ _6\"></span>ice);</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs1f9\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">exc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of any se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vic<span class=\"_ _6\"></span>e and n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>rket </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1fa\">pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce ves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns (for ex<span class=\"_ _6\"></span>amp<span class=\"_ _6\"></span>le, n<span class=\"_ _6\"></span>et in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e, </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs1fb\">ear<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>er sh<span class=\"_ _6\"></span>are an<span class=\"_ _6\"></span>d rem<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>n emp<span class=\"_ _6\"></span>loyee o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1fc\">over a sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d ti<span class=\"_ _6\"></span>me pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od); and</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs1fd\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>f any no<span class=\"_ _6\"></span>n-ves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s (for </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1fe\">exam<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>e, th<span class=\"_ _6\"></span>e requ<span class=\"_ _6\"></span>irem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t for em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>es to s<span class=\"_ _6\"></span>ave)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs1ff\">No<span class=\"_ _6\"></span>n-m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket vest<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs200\">ab<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>ber o<span class=\"_ _6\"></span>f opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d sha<span class=\"_ _6\"></span>res th<span class=\"_ _6\"></span>at a<span class=\"_ _6\"></span>re expe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs201\">ves<span class=\"_ _6\"></span>t. Th<span class=\"_ _6\"></span>e tot<span class=\"_ _6\"></span>al ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>se is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d over t<span class=\"_ _6\"></span>he ves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs202\">whi<span class=\"_ _6\"></span>ch is t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>od over w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h all o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed ves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs203\">con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re to be s<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>isf<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d. At t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>nd of e<span class=\"_ _6\"></span>ach re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs204\">pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup revi<span class=\"_ _6\"></span>ses i<span class=\"_ _6\"></span>ts e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>te of t<span class=\"_ _6\"></span>he nu<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r of op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs205\">an<span class=\"_ _6\"></span>d sha<span class=\"_ _6\"></span>res th<span class=\"_ _6\"></span>at are ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to ves<span class=\"_ _6\"></span>t bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the n<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-ma<span class=\"_ _6\"></span>rket </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs206\">ves<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>. It re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>e im<span class=\"_ _6\"></span>pac<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he revis<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs207\">or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates, i<span class=\"_ _6\"></span>f a<span class=\"_ _6\"></span>ny<span class=\"_ _b\"></span>, i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>ome s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>, wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h a </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs208\">cor<span class=\"_ _6\"></span>resp<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent t<span class=\"_ _6\"></span>o equ<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs209\">Wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re exercis<span class=\"_ _6\"></span>ed, t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any is<span class=\"_ _6\"></span>sue<span class=\"_ _6\"></span>s new </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs20a\">sh<span class=\"_ _6\"></span>ares or u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s tha<span class=\"_ _6\"></span>t have be<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs20b\">ma<span class=\"_ _6\"></span>rket<span class=\"_ _6\"></span>. The p<span class=\"_ _6\"></span>roce<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>s rece<span class=\"_ _6\"></span>ived n<span class=\"_ _6\"></span>et of a<span class=\"_ _6\"></span>ny dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly at<span class=\"_ _5\"></span>tr<span class=\"_ _6\"></span>ibu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs20c\">tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on cos<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s are cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ted to s<span class=\"_ _6\"></span>hare c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al (no<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>al va<span class=\"_ _6\"></span>lue) </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs20d\">an<span class=\"_ _6\"></span>d sha<span class=\"_ _6\"></span>re prem<span class=\"_ _6\"></span>ium w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s are exerci<span class=\"_ _6\"></span>sed<span class=\"_ _6\"></span>. The </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs20e\">or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l fair v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t exercis<span class=\"_ _6\"></span>ed is t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d fro<span class=\"_ _6\"></span>m </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs20f\">th<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>re op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve to th<span class=\"_ _6\"></span>e accu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>ses re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs210\">The g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>t by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny of opt<span class=\"_ _6\"></span>ions a<span class=\"_ _6\"></span>nd sha<span class=\"_ _6\"></span>res over it<span class=\"_ _6\"></span>s equ<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs211\">ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s to t<span class=\"_ _6\"></span>he em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>es of su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y un<span class=\"_ _6\"></span>der<span class=\"_ _5\"></span>ta<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>gs in </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs212\">th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p is t<span class=\"_ _6\"></span>reate<span class=\"_ _6\"></span>d as a c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs213\">em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ived, m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured by re<span class=\"_ _6\"></span>feren<span class=\"_ _6\"></span>ce to th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs214\">gr<span class=\"_ _6\"></span>ant d<span class=\"_ _6\"></span>ate fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue, i<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed ove<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e vest<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d as </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs215\">an in<span class=\"_ _6\"></span>crea<span class=\"_ _6\"></span>se in i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>aki<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>, wi<span class=\"_ _6\"></span>th a </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs216\">cor<span class=\"_ _6\"></span>resp<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t to eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y in t<span class=\"_ _6\"></span>he Pa<span class=\"_ _6\"></span>rent e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y (<span class=\"_ _6\"></span>the </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsb8 wsce gs217\">\u201cCompany\u201d) accounts.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws5 gs219\">Pension<span class=\"_ _0\"></span> obligations<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs21a\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>es a def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ion s<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>me </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs21b\">for em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyees i<span class=\"_ _6\"></span>n the U<span class=\"_ _6\"></span>K<span class=\"_ _6\"></span>. The sc<span class=\"_ _6\"></span>hem<span class=\"_ _6\"></span>es are p<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n pla<span class=\"_ _6\"></span>ns </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs21c\">un<span class=\"_ _6\"></span>der w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p pays f<span class=\"_ _6\"></span>ixe<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ibu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s into a </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs21d\">sep<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ate en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as no l<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>al or c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs21e\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s to pay f<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ibu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s if t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>und d<span class=\"_ _6\"></span>oes n<span class=\"_ _6\"></span>ot </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs21f\">ho<span class=\"_ _6\"></span>ld su<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>o pay al<span class=\"_ _6\"></span>l emp<span class=\"_ _6\"></span>loyee<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e ben<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs220\">rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing to e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyee se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ce in t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t and p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>or yea<span class=\"_ _6\"></span>rs. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs221\">Co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rib<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up\u2019s pe<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>on sc<span class=\"_ _6\"></span>hem<span class=\"_ _6\"></span>e are </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs222\">cha<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me in t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs223\">year to w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>ey rela<span class=\"_ _6\"></span>te. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has no f<span class=\"_ _6\"></span>ur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r paym<span class=\"_ _6\"></span>ent </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs224\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s onc<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ibu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s have be<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>aid.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls64 ws94 gs225\">Cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>nd d<span class=\"_ _6\"></span>efe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls29 ws16 gs226\">The t<span class=\"_ _6\"></span>ax ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nse fo<span class=\"_ _6\"></span>r the ye<span class=\"_ _6\"></span>ar co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s cur<span class=\"_ _6\"></span>rent a<span class=\"_ _6\"></span>nd d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs227\">ta<span class=\"_ _6\"></span>x. Cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x is provid<span class=\"_ _6\"></span>ed at a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nts ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to be pai<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs228\">(or recove<span class=\"_ _6\"></span>red) usi<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x rates a<span class=\"_ _6\"></span>nd laws t<span class=\"_ _6\"></span>hat have be<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs229\">en<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>ed or su<span class=\"_ _6\"></span>bst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely en<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ted by th<span class=\"_ _6\"></span>e bal<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et da<span class=\"_ _6\"></span>te </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs22a\">in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any and i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ies </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs22b\">op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>te an<span class=\"_ _6\"></span>d gen<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>te ta<span class=\"_ _6\"></span>xa<span class=\"_ _6\"></span>ble i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me. M<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4 ws2f gs22c\">p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y eva<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>tes pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns ta<span class=\"_ _6\"></span>ken in tax ret<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ns wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs22d\">respect t<span class=\"_ _0\"></span>o situations in wh<span class=\"_ _6\"></span>ich a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e t<span class=\"_ _6\"></span>ax reg<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs22e\">is su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs22f\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g po<span class=\"_ _6\"></span>lici<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs230\">th<span class=\"_ _6\"></span>ere are m<span class=\"_ _6\"></span>ech<span class=\"_ _6\"></span>ani<span class=\"_ _6\"></span>sms i<span class=\"_ _6\"></span>n pla<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>hat e<span class=\"_ _6\"></span>nsu<span class=\"_ _6\"></span>re subs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs231\">remu<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>atel<span class=\"_ _6\"></span>y on a<span class=\"_ _6\"></span>n arm\u2019s l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>gt<span class=\"_ _6\"></span>h ba<span class=\"_ _6\"></span>sis for </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs232\">ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s provid<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>. It es<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>es provi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns, wh<span class=\"_ _6\"></span>ere ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs233\">bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n amou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s expe<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ted to be p<span class=\"_ _6\"></span>aid to t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ax au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs234\">The G<span class=\"_ _6\"></span>roup reg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>d and was gr<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ted a pat<span class=\"_ _6\"></span>ent wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the Pa<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4 ws2f gs235\">O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to th<span class=\"_ _6\"></span>e dec<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l of th<span class=\"_ _6\"></span>e Glo<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>l Pla<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs236\">for Or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons. Lo<span class=\"_ _6\"></span>an inc<span class=\"_ _6\"></span>ome s<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>ams of th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss rel<span class=\"_ _6\"></span>ated<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs237\">to thi<span class=\"_ _6\"></span>s dec<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>oni<span class=\"_ _6\"></span>ng mo<span class=\"_ _6\"></span>del q<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y for p<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t box tre<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t for UK </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls29 ws16 gs238\">cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n ta<span class=\"_ _6\"></span>x at a re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed r<span class=\"_ _6\"></span>ate of co<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs239\">rece<span class=\"_ _6\"></span>ives ex<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ra t<span class=\"_ _6\"></span>ax de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s agai<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>t tax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t for the<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls29 ws16 gs23a\">pro<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tio<span class=\"_ _6\"></span>n of pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>oc<span class=\"_ _6\"></span>ated to t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs23b\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s for un<span class=\"_ _6\"></span>use<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>, ta<span class=\"_ _6\"></span>x cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs23c\">de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs23d\">th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t is pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>ble t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re ta<span class=\"_ _6\"></span>xab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>ll b<span class=\"_ _6\"></span>e avail<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs23e\">ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nces c<span class=\"_ _6\"></span>an b<span class=\"_ _6\"></span>e u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs23f\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on d<span class=\"_ _6\"></span>edu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>rar<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs240\">di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g fro<span class=\"_ _6\"></span>m inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es, </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs241\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd j<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t arr<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s on<span class=\"_ _6\"></span>ly to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t is </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs242\">pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce w<span class=\"_ _6\"></span>ill rever<span class=\"_ _6\"></span>se in t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs243\">an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>re is su<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>xab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs244\">th<span class=\"_ _6\"></span>e temp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>n be u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs245\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es are p<span class=\"_ _6\"></span>rovide<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le tem<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rar<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs246\">di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g fro<span class=\"_ _6\"></span>m inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs247\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd j<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t arr<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s, exce<span class=\"_ _6\"></span>pt for a<span class=\"_ _6\"></span>ny defe<span class=\"_ _6\"></span>rred </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs248\">ta<span class=\"_ _6\"></span>x li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y whe<span class=\"_ _6\"></span>re th<span class=\"_ _6\"></span>e ti<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g of th<span class=\"_ _6\"></span>e revers<span class=\"_ _6\"></span>al of t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>rar<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs249\">di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce is co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>led by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p and i<span class=\"_ _6\"></span>t is prob<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs24a\">tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>e will n<span class=\"_ _6\"></span>ot reverse i<span class=\"_ _6\"></span>n the fore<span class=\"_ _6\"></span>see<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs24b\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>et wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>here i<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs24c\">a le<span class=\"_ _6\"></span>gal<span class=\"_ _6\"></span>ly e<span class=\"_ _6\"></span>nforce<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ri<span class=\"_ _6\"></span>ght t<span class=\"_ _6\"></span>o of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>et cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs24d\">cur<span class=\"_ _6\"></span>rent t<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>x lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s and w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs24e\">li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es rel<span class=\"_ _6\"></span>ate to in<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>me ta<span class=\"_ _6\"></span>xes l<span class=\"_ _6\"></span>evie<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e sam<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>xat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs24f\">au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>n ei<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he sa<span class=\"_ _6\"></span>me t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y or di<span class=\"_ _6\"></span>f<span class=\"_ _5\"></span>ferent t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs250\">en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>ere is an i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion to s<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es on a </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs251\">ne<span class=\"_ _6\"></span>t bas<span class=\"_ _6\"></span>is.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs252\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x is provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in fu<span class=\"_ _6\"></span>ll, u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e lia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs253\">me<span class=\"_ _6\"></span>tho<span class=\"_ _6\"></span>d, o<span class=\"_ _6\"></span>n temp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>es ar<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2b ws66 gs254\">bas<span class=\"_ _6\"></span>es of as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s and li<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs255\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>. However, defer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax i<span class=\"_ _6\"></span>s not a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs256\">for i<span class=\"_ _6\"></span>f it a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>es fro<span class=\"_ _6\"></span>m ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of an as<span class=\"_ _6\"></span>set o<span class=\"_ _6\"></span>r lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs258\">a tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an a bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess c<span class=\"_ _6\"></span>omb<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs259\">ti<span class=\"_ _6\"></span>me of t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ts n<span class=\"_ _6\"></span>ei<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>ccou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ing n<span class=\"_ _6\"></span>or t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs25a\">prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs25b\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>x rate<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>aws t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>ave </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs25c\">be<span class=\"_ _6\"></span>en e<span class=\"_ _6\"></span>nac<span class=\"_ _6\"></span>ted o<span class=\"_ _6\"></span>r sub<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>tive<span class=\"_ _6\"></span>ly en<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e year-en<span class=\"_ _6\"></span>d da<span class=\"_ _6\"></span>te </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs25d\">an<span class=\"_ _6\"></span>d are exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted to a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>ly wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x asse<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs25e\">is rea<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed or t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y is s<span class=\"_ _6\"></span>et<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d. De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d t<span class=\"_ _6\"></span>ax </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs25f\">ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces a<span class=\"_ _6\"></span>re not d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ted.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws35 gs260\">Dividends<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs261\">Di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d wh<span class=\"_ _6\"></span>en th<span class=\"_ _6\"></span>ey be<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>gal<span class=\"_ _6\"></span>ly p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>e, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs262\">in a<span class=\"_ _6\"></span>ccord<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pan<span class=\"_ _6\"></span>ies Ac<span class=\"_ _6\"></span>t 200<span class=\"_ _6\"></span>6. </div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls29 ws59 gs263\">Intangibl<span class=\"_ _6\"></span>e assets<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs264\">In<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h fi<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>te use<span class=\"_ _6\"></span>ful l<span class=\"_ _6\"></span>ives a<span class=\"_ _6\"></span>re amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs265\">a st<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t-li<span class=\"_ _6\"></span>ne b<span class=\"_ _6\"></span>asis over t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted us<span class=\"_ _6\"></span>efu<span class=\"_ _6\"></span>l live<span class=\"_ _6\"></span>s. Use<span class=\"_ _6\"></span>ful </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs266\">live<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ds are revi<span class=\"_ _6\"></span>ewed a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e en<span class=\"_ _6\"></span>d of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs267\">ea<span class=\"_ _6\"></span>ch ann<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d, or m<span class=\"_ _6\"></span>ore fre<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ly w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs268\">is an i<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e as<span class=\"_ _6\"></span>set m<span class=\"_ _6\"></span>ay be im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>red, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs269\">th<span class=\"_ _6\"></span>e ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct of a<span class=\"_ _6\"></span>ny cha<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>s acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ted for o<span class=\"_ _6\"></span>n a pros<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs26a\">bas<span class=\"_ _6\"></span>is. A<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e int<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gib<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>set </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs26b\">is avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble fo<span class=\"_ _6\"></span>r use. T<span class=\"_ _6\"></span>he res<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f int<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gib<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs26c\">is as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>ed to b<span class=\"_ _6\"></span>e zero. </div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2d ws5 gs26d\">Computer s<span class=\"_ _0\"></span>oftware licences<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs26e\">Acq<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d com<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ter s<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re lic<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>es are c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs26f\">bas<span class=\"_ _6\"></span>is of t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d to ac<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>re and b<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng to us<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs270\">sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic so<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ware. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e cos<span class=\"_ _6\"></span>ts are a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sed ove<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e lice<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs271\">pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d, wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>s up to f<span class=\"_ _6\"></span>ive yea<span class=\"_ _6\"></span>rs as at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2b ws6 gs272\">Capitalised de<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>elopment c<span class=\"_ _0\"></span>osts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs273\">Cos<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h ma<span class=\"_ _6\"></span>int<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g com<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ter s<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs274\">pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>ms are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d as a<span class=\"_ _6\"></span>n expe<span class=\"_ _6\"></span>nse as i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs275\">Deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt cos<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t are di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y at<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e des<span class=\"_ _6\"></span>ign, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs276\">bu<span class=\"_ _6\"></span>ild a<span class=\"_ _6\"></span>nd tes<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>f ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e and u<span class=\"_ _6\"></span>niq<span class=\"_ _6\"></span>ue so<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs277\">con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs278\">whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a are me<span class=\"_ _6\"></span>t:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs279\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls69 wsb9\">it is te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>lly fe<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>ble to co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>let<span class=\"_ _6\"></span>e the b<span class=\"_ _6\"></span>uil<span class=\"_ _6\"></span>d of th<span class=\"_ _6\"></span>e pla<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs27a\">pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>o th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>hey wi<span class=\"_ _6\"></span>ll be av<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e for us<span class=\"_ _6\"></span>e;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs27b\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>tend<span class=\"_ _6\"></span>s to com<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ete t<span class=\"_ _6\"></span>he bu<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>d of th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs27c\">pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r use w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs27d\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re is an a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y to u<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he pl<span class=\"_ _6\"></span>at<span class=\"_ _5\"></span>form p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs27e\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>t c<span class=\"_ _6\"></span>an b<span class=\"_ _6\"></span>e dem<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d how t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>lat<span class=\"_ _5\"></span>form p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>ll </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs27f\">ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ts;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs280\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ate te<span class=\"_ _6\"></span>chni<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l, f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>sou<span class=\"_ _6\"></span>rces to </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs281\">com<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ete t<span class=\"_ _6\"></span>he deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d to use t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs282\">are avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble; a<span class=\"_ _6\"></span>nd</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs283\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure at<span class=\"_ _5\"></span>tri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs284\">it<span class=\"_ _6\"></span>s deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt c<span class=\"_ _6\"></span>an be re<span class=\"_ _6\"></span>lia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>y meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs285\">Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tly a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ble c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re cap<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tal<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs286\">sof<span class=\"_ _5\"></span>tw<span class=\"_ _6\"></span>are pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re devel<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs287\">an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>r cos<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. The c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyee cos<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs288\">bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt o<span class=\"_ _6\"></span>f tim<span class=\"_ _6\"></span>e sp<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>n sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs289\">me<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>he cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a as a pro<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir to<span class=\"_ _6\"></span>tal t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e, and t<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs28a\">pro<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tio<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r sa<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>rel<span class=\"_ _6\"></span>ated c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts is a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ute<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls3d ws47 gs28b\">applicable projects.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs28c\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt exp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re tha<span class=\"_ _6\"></span>t do<span class=\"_ _6\"></span>es no<span class=\"_ _6\"></span>t me<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs28d\">cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a is reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as an ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>se as in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>. Devel<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs28e\">cos<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>s an exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e are no<span class=\"_ _6\"></span>t rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs28f\">as an as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t in a su<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs290\">Ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>orde<span class=\"_ _6\"></span>d as in<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs291\">ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>int a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et is </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs292\">rea<span class=\"_ _6\"></span>dy for us<span class=\"_ _6\"></span>e over th<span class=\"_ _6\"></span>ei<span class=\"_ _6\"></span>r est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d usef<span class=\"_ _6\"></span>ul l<span class=\"_ _6\"></span>ives, r<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g from </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs293\">th<span class=\"_ _6\"></span>ree to f<span class=\"_ _6\"></span>ive yea<span class=\"_ _6\"></span>rs. </div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2b ws6 gs295\">Other intangibles<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs296\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er in<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es rel<span class=\"_ _6\"></span>ate to t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>olo<span class=\"_ _6\"></span>gy p<span class=\"_ _6\"></span>lat<span class=\"_ _5\"></span>form a<span class=\"_ _6\"></span>nd </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs297\">customer r<span class=\"_ _0\"></span>elationship (<span class=\"_ _0\"></span>repr<span class=\"_ _0\"></span>esenting f<span class=\"_ _0\"></span>ees due<span class=\"_ _0\"></span> on contracted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs298\">lo<span class=\"_ _6\"></span>ans ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to be re<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e forese<span class=\"_ _6\"></span>ea<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re) </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs299\">acq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>red on a b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. The<span class=\"_ _6\"></span>se cos<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs29a\">amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d over t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d use<span class=\"_ _6\"></span>ful l<span class=\"_ _6\"></span>ives, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h do no<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs29b\">excee<span class=\"_ _6\"></span>d t<span class=\"_ _6\"></span>hree ye<span class=\"_ _6\"></span>ars.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs29c\">T<span class=\"_ _b\"></span>angible fix<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>ssets<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs29d\">T<span class=\"_ _b\"></span>a<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>xed as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts are s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>t les<span class=\"_ _6\"></span>s de<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd4 wsf8 gs29e\">any<span class=\"_ _0\"></span> pr<span class=\"_ _0\"></span>ovi<span class=\"_ _0\"></span>sion f<span class=\"_ _0\"></span>or impa<span class=\"_ _0\"></span>irment. Deprec<span class=\"_ _0\"></span>iation is<span class=\"_ _0\"></span> pro<span class=\"_ _0\"></span>vided<span class=\"_ _0\"></span> on all<span class=\"_ _0\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs29f\">ta<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>xed as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts, a<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to wr<span class=\"_ _6\"></span>ite o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>he cos<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2a0\">les<span class=\"_ _6\"></span>s es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>d resi<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>al va<span class=\"_ _6\"></span>lue of e<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>h asse<span class=\"_ _6\"></span>t on a s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>aig<span class=\"_ _6\"></span>ht-l<span class=\"_ _6\"></span>ine </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2a1\">bas<span class=\"_ _6\"></span>is over i<span class=\"_ _6\"></span>ts ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d use<span class=\"_ _6\"></span>ful l<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>fe, as foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2a2\">Co<span class=\"_ _6\"></span>mpu<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r equ<span class=\"_ _6\"></span>ip<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t <span class=\"_ _83\"> </span>1<span class=\"_ _6\"></span>\u20133 yea<span class=\"_ _6\"></span>rs </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2a3\">Furn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ure an<span class=\"_ _6\"></span>d f<span class=\"_ _6\"></span>ix<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ures <span class=\"_ _83\"> </span>3\u2013<span class=\"_ _6\"></span>5 ye<span class=\"_ _6\"></span>ars<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2a4\">Lease<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ld im<span class=\"_ _6\"></span>provem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at q<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>s an </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs2a5\">ass<span class=\"_ _6\"></span>et are m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured a<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d are pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ted as p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>f </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2a6\">pro<span class=\"_ _6\"></span>per<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _b\"></span>, p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d eq<span class=\"_ _6\"></span>uip<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2a7\">se<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t. D<span class=\"_ _6\"></span>epre<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on o<span class=\"_ _6\"></span>n lea<span class=\"_ _6\"></span>seh<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2a8\">imp<span class=\"_ _6\"></span>roveme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s is ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed us<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs2a9\">over th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase te<span class=\"_ _6\"></span>rm.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls64 ws94 gs2aa\">Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e and i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2ab\">In<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts n<span class=\"_ _6\"></span>ot rea<span class=\"_ _6\"></span>dy to us<span class=\"_ _6\"></span>e are no<span class=\"_ _6\"></span>t su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs2ac\">amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd are te<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>d ann<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ly for i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. A<span class=\"_ _6\"></span>ss<span class=\"_ _6\"></span>ets </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2ad\">th<span class=\"_ _6\"></span>at are s<span class=\"_ _6\"></span>ubj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>re reviewe<span class=\"_ _6\"></span>d for i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>irm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2ae\">whe<span class=\"_ _6\"></span>never eve<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>r ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es in c<span class=\"_ _6\"></span>ircum<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2af\">th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt may n<span class=\"_ _6\"></span>ot be re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e. An i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2b0\">los<span class=\"_ _6\"></span>s is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d for t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt by whi<span class=\"_ _6\"></span>ch t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>\u2019s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2b1\">ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt exce<span class=\"_ _6\"></span>eds i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s recover<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2b2\">Re<span class=\"_ _6\"></span>covera<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt i<span class=\"_ _6\"></span>s the h<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>her of f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e les<span class=\"_ _6\"></span>s cos<span class=\"_ _6\"></span>ts to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2b3\">se<span class=\"_ _6\"></span>ll an<span class=\"_ _6\"></span>d valu<span class=\"_ _6\"></span>e in u<span class=\"_ _6\"></span>se. In as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ng val<span class=\"_ _6\"></span>ue i<span class=\"_ _6\"></span>n use, t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs2b4\">fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re cas<span class=\"_ _6\"></span>h flow<span class=\"_ _6\"></span>s are disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ted to th<span class=\"_ _6\"></span>eir p<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>t val<span class=\"_ _6\"></span>ue usi<span class=\"_ _6\"></span>ng a </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2b5\">pre<span class=\"_ _6\"></span>-t<span class=\"_ _6\"></span>ax d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt r<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>hat re<span class=\"_ _6\"></span>fl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ts cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt ma<span class=\"_ _6\"></span>rket as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>sm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs2b6\">of t<span class=\"_ _6\"></span>he ti<span class=\"_ _6\"></span>me va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f mon<span class=\"_ _6\"></span>ey an<span class=\"_ _6\"></span>d the r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>s spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c to th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2b7\">for wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows h<span class=\"_ _6\"></span>ave not </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2b8\">be<span class=\"_ _6\"></span>en a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2b9\">If t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t of an as<span class=\"_ _6\"></span>set (o<span class=\"_ _6\"></span>r CGU) i<span class=\"_ _6\"></span>s est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2ba\">be l<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt, t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2bb\">ass<span class=\"_ _6\"></span>et (or C<span class=\"_ _6\"></span>GU) is re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed to i<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t. A<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs2bc\">imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt l<span class=\"_ _6\"></span>oss is re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>atel<span class=\"_ _6\"></span>y in t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt of </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs2bd\">comprehen<span class=\"_ _0\"></span>sive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls5d ws16 gs2be\">A previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>s reverse<span class=\"_ _6\"></span>d on<span class=\"_ _6\"></span>ly i<span class=\"_ _6\"></span>f </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs2bf\">th<span class=\"_ _6\"></span>ere ha<span class=\"_ _6\"></span>s bee<span class=\"_ _6\"></span>n a cha<span class=\"_ _6\"></span>nge i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates us<span class=\"_ _6\"></span>ed to d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ne </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2b ws66 gs2c0\">th<span class=\"_ _6\"></span>e asse<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>\u2019s recove<span class=\"_ _6\"></span>rab<span class=\"_ _6\"></span>le am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t sin<span class=\"_ _6\"></span>ce th<span class=\"_ _6\"></span>e las<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt lo<span class=\"_ _6\"></span>ss </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2c1\">was re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed. I<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>his wa<span class=\"_ _6\"></span>s the c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>e, the c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2c2\">of t<span class=\"_ _6\"></span>he ass<span class=\"_ _6\"></span>et (or C<span class=\"_ _6\"></span>GU) is i<span class=\"_ _6\"></span>ncre<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e revise<span class=\"_ _6\"></span>d es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs2c3\">of i<span class=\"_ _6\"></span>ts rec<span class=\"_ _6\"></span>overab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt, b<span class=\"_ _6\"></span>ut s<span class=\"_ _6\"></span>o tha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>rease<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs2c4\">amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t doe<span class=\"_ _6\"></span>s not exce<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>hat wo<span class=\"_ _6\"></span>uld h<span class=\"_ _6\"></span>ave </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs2c5\">be<span class=\"_ _6\"></span>en de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed ha<span class=\"_ _6\"></span>d no im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>irm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed fo<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs2c6\">th<span class=\"_ _6\"></span>e asse<span class=\"_ _6\"></span>t (or CG<span class=\"_ _6\"></span>U) in pr<span class=\"_ _6\"></span>ior ye<span class=\"_ _6\"></span>ars. A rever<span class=\"_ _6\"></span>sal o<span class=\"_ _6\"></span>f an imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs2c7\">los<span class=\"_ _6\"></span>s is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>med<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>tely i<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or lo<span class=\"_ _6\"></span>ss.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls77 ws7c gs2c8\">Leases<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2c9\">At in<span class=\"_ _6\"></span>cep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of a c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>her o<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs2ca\">no<span class=\"_ _6\"></span>t a cont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct is<span class=\"_ _6\"></span>, or con<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ins, a l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e. A cont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct is, o<span class=\"_ _6\"></span>r con<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ins, </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs2cb\">a le<span class=\"_ _6\"></span>ase i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t conveys th<span class=\"_ _6\"></span>e ri<span class=\"_ _6\"></span>ght to c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>rol t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>se </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs2cc\">of an i<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>et for a p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod o<span class=\"_ _6\"></span>f ti<span class=\"_ _6\"></span>me in exch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge for </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs2cd\">con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on. W<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>n a le<span class=\"_ _6\"></span>ase is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in a c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2ce\">Gro<span class=\"_ _6\"></span>up rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s a rig<span class=\"_ _6\"></span>ht-<span class=\"_ _6\"></span>of-use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t and a l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs2cf\">at the lea<span class=\"_ _0\"></span>se com<span class=\"_ _0\"></span>mencement dat<span class=\"_ _0\"></span>e.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2d1\">Ri<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>of-us<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>re ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>red at c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>, co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2d2\">th<span class=\"_ _6\"></span>e ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>urem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f the l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, less a<span class=\"_ _6\"></span>ny leas<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2d3\">in<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>tive<span class=\"_ _6\"></span>s. Sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, rig<span class=\"_ _6\"></span>ht-o<span class=\"_ _6\"></span>f-use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts are m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured a<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2d4\">cos<span class=\"_ _6\"></span>t, l<span class=\"_ _6\"></span>ess a<span class=\"_ _6\"></span>ny accu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>prec<span class=\"_ _6\"></span>iat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and a<span class=\"_ _6\"></span>ny accu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2d5\">imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es, an<span class=\"_ _6\"></span>d are ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d for ce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>in </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2d6\">reme<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Dep<span class=\"_ _6\"></span>reci<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n is </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2d7\">ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed on a s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rai<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>is over t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>th o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e lea<span class=\"_ _6\"></span>se.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2d8\">Lia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s ar<span class=\"_ _6\"></span>isin<span class=\"_ _6\"></span>g fro<span class=\"_ _6\"></span>m a lea<span class=\"_ _6\"></span>se are i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tia<span class=\"_ _6\"></span>lly m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d on a </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2d9\">pres<span class=\"_ _6\"></span>ent v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>is. Lea<span class=\"_ _6\"></span>se li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de t<span class=\"_ _6\"></span>he ne<span class=\"_ _6\"></span>t pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2da\">val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs2db\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">f<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>xed pay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts l<span class=\"_ _6\"></span>ess a<span class=\"_ _6\"></span>ny leas<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ives re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs2dc\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">v<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le le<span class=\"_ _6\"></span>ase p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s bas<span class=\"_ _6\"></span>ed on a<span class=\"_ _6\"></span>n in<span class=\"_ _6\"></span>dex or a r<span class=\"_ _6\"></span>ate, i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs2dd\">me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d usi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>dex o<span class=\"_ _6\"></span>r rate a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e com<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls75 wsb4 gs2de\">da<span class=\"_ _6\"></span>te;<span class=\"_ _6\"></span> an<span class=\"_ _6\"></span>d</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs2df\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted to b<span class=\"_ _6\"></span>e paya<span class=\"_ _6\"></span>ble by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsb8 wsce gs2e0\">residual v<span class=\"_ _0\"></span>alue guarantee.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs2e1\">The lease<span class=\"_ _0\"></span> payments<span class=\"_ _0\"></span> are<span class=\"_ _0\"></span> discount<span class=\"_ _0\"></span>ed using the<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st rate<span class=\"_ _0\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2e2\">imp<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>t in th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase. I<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>at ra<span class=\"_ _6\"></span>te ca<span class=\"_ _6\"></span>nno<span class=\"_ _6\"></span>t be re<span class=\"_ _6\"></span>adi<span class=\"_ _6\"></span>ly d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ned<span class=\"_ _6\"></span>, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2e3\">th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s in<span class=\"_ _6\"></span>crem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>g rat<span class=\"_ _6\"></span>e is use<span class=\"_ _6\"></span>d, wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>s the </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2e4\">ra<span class=\"_ _6\"></span>te tha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up wou<span class=\"_ _6\"></span>ld have to p<span class=\"_ _6\"></span>ay to bo<span class=\"_ _6\"></span>rrow t<span class=\"_ _6\"></span>he fu<span class=\"_ _6\"></span>nds </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2e5\">ne<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>sar<span class=\"_ _6\"></span>y to o<span class=\"_ _6\"></span>bt<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n an as<span class=\"_ _6\"></span>set of s<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e to t<span class=\"_ _6\"></span>he ri<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>of-<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2e6\">use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t in a si<span class=\"_ _6\"></span>mil<span class=\"_ _6\"></span>ar e<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>c envi<span class=\"_ _6\"></span>ronm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th si<span class=\"_ _6\"></span>mil<span class=\"_ _6\"></span>ar </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2e7\">ter<span class=\"_ _6\"></span>ms, se<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y and c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2e8\">T<span class=\"_ _b\"></span>o d<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ne t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>crem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>g ra<span class=\"_ _6\"></span>te, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p: </div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs2e9\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">w<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re pos<span class=\"_ _6\"></span>sib<span class=\"_ _6\"></span>le, us<span class=\"_ _6\"></span>es rec<span class=\"_ _6\"></span>ent t<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>rd pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>ng rec<span class=\"_ _6\"></span>eive<span class=\"_ _6\"></span>d </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2ea\">by th<span class=\"_ _6\"></span>e ind<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>al le<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>e as a s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t, a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>d to </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs2eb\">reflect changes<span class=\"_ _0\"></span> in financing c<span class=\"_ _0\"></span>onditions since third<span class=\"_ _0\"></span> par<span class=\"_ _6\"></span>ty </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2ec\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g was re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>ved;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs2ed\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">u<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>n app<span class=\"_ _6\"></span>roa<span class=\"_ _6\"></span>ch ta<span class=\"_ _6\"></span>ki<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he ri<span class=\"_ _6\"></span>sk-fre<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>d </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2ee\">for cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk for l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es he<span class=\"_ _6\"></span>ld by Fund<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Circ<span class=\"_ _6\"></span>le Ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s pl<span class=\"_ _6\"></span>c; </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsb8 wsce gs2ef\">and</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs2f0\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">m<span class=\"_ _6\"></span>akes a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cif<span class=\"_ _6\"></span>ic to t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e for ter<span class=\"_ _6\"></span>m, co<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs2f1\">and curr<span class=\"_ _0\"></span>ency<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2f2\">Sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, the l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>d by inc<span class=\"_ _6\"></span>reas<span class=\"_ _6\"></span>ing </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2f3\">th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt to ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e leas<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2f4\">an<span class=\"_ _6\"></span>d redu<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g it by t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s ma<span class=\"_ _6\"></span>de. Th<span class=\"_ _6\"></span>e lea<span class=\"_ _6\"></span>se </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2f5\">li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y and r<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ht-o<span class=\"_ _6\"></span>f-use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t are rem<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>red w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs2f6\">is a<span class=\"_ _0\"></span> lease modification.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2f7\">Lease p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s are al<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>cat<span class=\"_ _6\"></span>ed be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n pr<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>ip<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>ce </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls69 ws16 gs2f8\">cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce c<span class=\"_ _6\"></span>ost i<span class=\"_ _6\"></span>s char<span class=\"_ _6\"></span>ged to p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>s over t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs2f9\">pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d so as t<span class=\"_ _6\"></span>o prod<span class=\"_ _6\"></span>uce a c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod<span class=\"_ _6\"></span>ic ra<span class=\"_ _6\"></span>te of in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2fa\">th<span class=\"_ _6\"></span>e rema<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ng b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>f the l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r eac<span class=\"_ _6\"></span>h pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2fb\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to po<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re inc<span class=\"_ _6\"></span>rease<span class=\"_ _6\"></span>s in va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2fc\">le<span class=\"_ _6\"></span>ase p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on a<span class=\"_ _6\"></span>n ind<span class=\"_ _6\"></span>ex or r<span class=\"_ _6\"></span>ate, wh<span class=\"_ _6\"></span>ich a<span class=\"_ _6\"></span>re not </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2fd\">in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>ded i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase li<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y un<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>l th<span class=\"_ _6\"></span>ey take ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>. Wh<span class=\"_ _6\"></span>en </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2fe\">ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s to le<span class=\"_ _6\"></span>ase p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on a<span class=\"_ _6\"></span>n ind<span class=\"_ _6\"></span>ex or r<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>ake </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs2ff\">ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase li<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is rea<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d adj<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ted ag<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nst </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs300\">th<span class=\"_ _6\"></span>e ri<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>of-us<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs301\">E<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>tens<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and te<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re incl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n a num<span class=\"_ _6\"></span>ber </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs302\">of pro<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y le<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up. Ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>rs </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs303\">th<span class=\"_ _6\"></span>e fac<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd ci<span class=\"_ _6\"></span>rcums<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>at may c<span class=\"_ _6\"></span>reate a<span class=\"_ _6\"></span>n eco<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>mic </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs304\">in<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>tive to exe<span class=\"_ _6\"></span>rcise a<span class=\"_ _6\"></span>n ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>n or te<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n in </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs305\">ord<span class=\"_ _6\"></span>er to d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>e wh<span class=\"_ _6\"></span>eth<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ease te<span class=\"_ _6\"></span>rm s<span class=\"_ _6\"></span>hou<span class=\"_ _6\"></span>ld i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude o<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs306\">exclu<span class=\"_ _6\"></span>de su<span class=\"_ _6\"></span>ch o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s. E<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>tens<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n or ter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs307\">on<span class=\"_ _6\"></span>ly in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase ter<span class=\"_ _6\"></span>m i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ey are reas<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>bly </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs308\">cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n to be exe<span class=\"_ _6\"></span>rcise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ase of ex<span class=\"_ _5\"></span>tensi<span class=\"_ _6\"></span>on o<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>ons </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs309\">an<span class=\"_ _6\"></span>d not exe<span class=\"_ _6\"></span>rcise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ase of t<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls3d ws47 gs30b\">Considerations include<span class=\"_ _0\"></span>:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs30c\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">i<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>ease<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ld im<span class=\"_ _6\"></span>provem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s are ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to have si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ant </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs30d\">val<span class=\"_ _6\"></span>ue at t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>nd of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e term;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs30e\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>r bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess d<span class=\"_ _6\"></span>isr<span class=\"_ _6\"></span>upt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n as a resu<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t of </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs30f\">replacing<span class=\"_ _0\"></span> a leas<span class=\"_ _0\"></span>e;<span class=\"_ _0\"></span> and</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs310\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2 ls3d ws47\">signi<span class=\"_ _6\"></span>ficant penalties incurred in<span class=\"_ _0\"></span> order<span class=\"_ _0\"></span> to t<span class=\"_ _0\"></span>erminate<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs311\">Lease t<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>s are reas<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d if t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>s exercis<span class=\"_ _6\"></span>ed or i<span class=\"_ _6\"></span>f a </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs312\">si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>nt even<span class=\"_ _6\"></span>t occ<span class=\"_ _6\"></span>urs w<span class=\"_ _6\"></span>hich i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>sess<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls3d ws47 gs313\">reasonable<span class=\"_ _0\"></span> cer<span class=\"_ _6\"></span>tainty<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs314\">The G<span class=\"_ _6\"></span>roup ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ies t<span class=\"_ _6\"></span>he sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t-t<span class=\"_ _6\"></span>erm l<span class=\"_ _6\"></span>ease re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on exemp<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs315\">to it<span class=\"_ _6\"></span>s sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t-te<span class=\"_ _6\"></span>rm le<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>s of mach<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y and eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt (i.e. th<span class=\"_ _6\"></span>ose </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs316\">le<span class=\"_ _6\"></span>ases t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have a le<span class=\"_ _6\"></span>ase ter<span class=\"_ _6\"></span>m of 12 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs or l<span class=\"_ _6\"></span>ess f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs317\">com<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t dat<span class=\"_ _6\"></span>e and d<span class=\"_ _6\"></span>o not c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tai<span class=\"_ _6\"></span>n a pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>e opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs318\">It a<span class=\"_ _6\"></span>lso a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>s the l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e of low v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>ets re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls70 ws74 gs319\">exemp<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to lea<span class=\"_ _6\"></span>ses of of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e equi<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent t<span class=\"_ _6\"></span>hat are co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>dere<span class=\"_ _6\"></span>d of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs31a\">low va<span class=\"_ _6\"></span>lue. Leas<span class=\"_ _6\"></span>e paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s on sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t-<span class=\"_ _6\"></span>term l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es and le<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>s of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs31b\">low va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e asse<span class=\"_ _6\"></span>ts are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>ses o<span class=\"_ _6\"></span>n a st<span class=\"_ _6\"></span>rai<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs31c\">bas<span class=\"_ _6\"></span>is over t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase te<span class=\"_ _6\"></span>rm.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff5b fs3 fc2 sc0 ls2b ws66 gs31d\">Consolidation<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>f <span class=\"_ _b\"></span>special <span class=\"_ _0\"></span>purpo<span class=\"_ _0\"></span>se <span class=\"_ _b\"></span>vehicles<span class=\"_ _0\"></span> <span class=\"_ _b\"></span>(\u201cSPV<span class=\"_ _0\"></span>s\u201d)<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs31e\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s are th<span class=\"_ _6\"></span>ose e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>, inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d vehic<span class=\"_ _6\"></span>les<span class=\"_ _6\"></span>, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs31f\">over wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ls an </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs320\">en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y whe<span class=\"_ _6\"></span>n i<span class=\"_ _6\"></span>t is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d, or h<span class=\"_ _6\"></span>as ri<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>s, to va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ret<span class=\"_ _6\"></span>urn<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs321\">fro<span class=\"_ _6\"></span>m it<span class=\"_ _6\"></span>s invol<span class=\"_ _6\"></span>veme<span class=\"_ _6\"></span>nt wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd ha<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs322\">th<span class=\"_ _6\"></span>ose re<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>ns t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh i<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>ower over t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e. The G<span class=\"_ _6\"></span>roup </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs323\">has p<span class=\"_ _6\"></span>ower over a<span class=\"_ _6\"></span>n en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y whe<span class=\"_ _6\"></span>n i<span class=\"_ _6\"></span>t has ex<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g ri<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at gi<span class=\"_ _6\"></span>ve it </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs324\">th<span class=\"_ _6\"></span>e cur<span class=\"_ _6\"></span>rent a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to dire<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies t<span class=\"_ _6\"></span>hat m<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs325\">af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>\u2019s ret<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ns. Powe<span class=\"_ _6\"></span>r may be d<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs326\">bas<span class=\"_ _6\"></span>is of vo<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g ri<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>s or, in th<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e of st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es, </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs327\">other contractual arrangements.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs328\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er i<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ls SP<span class=\"_ _6\"></span>Vs and th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs329\">req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t to co<span class=\"_ _6\"></span>nsol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>hem u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er th<span class=\"_ _6\"></span>e cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a of IFRS 1<span class=\"_ _6\"></span>0. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs32a\">Co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol is d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ned t<span class=\"_ _6\"></span>o exis<span class=\"_ _6\"></span>t if t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as t<span class=\"_ _6\"></span>he pow<span class=\"_ _6\"></span>er to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs32b\">di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>t the a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f eac<span class=\"_ _6\"></span>h ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y (for exa<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>le, ma<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs32c\">pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce of t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>nd r<span class=\"_ _6\"></span>aisi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>ebt o<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs32d\">th<span class=\"_ _6\"></span>ose as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts wh<span class=\"_ _6\"></span>ich is u<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d to fun<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up) and u<span class=\"_ _6\"></span>ses t<span class=\"_ _6\"></span>his </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs32e\">con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l to ob<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>in a var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e retu<span class=\"_ _6\"></span>rn (fo<span class=\"_ _6\"></span>r exam<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>e, ret<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs32f\">resi<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>al ri<span class=\"_ _6\"></span>sk on t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts)<span class=\"_ _0\"></span>. S<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res th<span class=\"_ _6\"></span>at do n<span class=\"_ _6\"></span>ot m<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t the<span class=\"_ _6\"></span>se </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs330\">cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a are no<span class=\"_ _6\"></span>t trea<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>s subs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs331\">de<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hts t<span class=\"_ _6\"></span>o the c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows have en<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd5 ws16 gs332\">Wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he ad<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s secu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs333\">ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and is ex<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>sed to t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>s and rew<span class=\"_ _6\"></span>ards o<span class=\"_ _6\"></span>f the </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs334\">un<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>lyi<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s thro<span class=\"_ _6\"></span>ugh i<span class=\"_ _6\"></span>ts co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t or whe<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gs335\">th<span class=\"_ _6\"></span>e Group do<span class=\"_ _6\"></span>es not ret<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>a dire<span class=\"_ _6\"></span>ct owne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t in <span class=\"_ _0\"></span>an SPV<span class=\"_ _0\"></span>, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gs336\">bu<span class=\"_ _6\"></span>t the Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tors have det<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d tha<span class=\"_ _6\"></span>t the Grou<span class=\"_ _6\"></span>p cont<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>s thos<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs337\">en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cri<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ria o<span class=\"_ _6\"></span>f IFRS 1<span class=\"_ _6\"></span>0, th<span class=\"_ _6\"></span>ey are tre<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d as </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs338\">sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>re cons<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted<span class=\"_ _6\"></span>. See n<span class=\"_ _6\"></span>ote 29 fo<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls of </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls6c wsf9 gs339\">these ent<span class=\"_ _6\"></span>ities.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws5 gs33a\">Discontinued<span class=\"_ _0\"></span> operations and<span class=\"_ _0\"></span> decons<span class=\"_ _0\"></span>olidation<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs33b\">Wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up in<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>ds to se<span class=\"_ _6\"></span>ll as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s or B<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s Uni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs33c\">IFRS 5 N<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt As<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts He<span class=\"_ _6\"></span>ld fo<span class=\"_ _6\"></span>r Sa<span class=\"_ _6\"></span>le an<span class=\"_ _6\"></span>d Dis<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs33d\">Op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons i<span class=\"_ _6\"></span>s app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed. A<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>et o<span class=\"_ _6\"></span>r grou<span class=\"_ _6\"></span>p of ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s is tre<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs33e\">as a di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ed op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>f:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs33f\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>t is ava<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e for im<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>te sa<span class=\"_ _6\"></span>le in i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s pres<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs340\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e is hi<span class=\"_ _6\"></span>ghl<span class=\"_ _6\"></span>y prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le, wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs341\">to a pl<span class=\"_ _6\"></span>an to se<span class=\"_ _6\"></span>ll t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set a<span class=\"_ _6\"></span>nd a<span class=\"_ _6\"></span>n act<span class=\"_ _6\"></span>ive p<span class=\"_ _6\"></span>rogr<span class=\"_ _6\"></span>amm<span class=\"_ _6\"></span>e to lo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>te </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs342\">a bu<span class=\"_ _6\"></span>yer ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d; an<span class=\"_ _6\"></span>d</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs343\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e is exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted to b<span class=\"_ _6\"></span>e co<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in on<span class=\"_ _6\"></span>e year o<span class=\"_ _6\"></span>f </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs344\">cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d for s<span class=\"_ _6\"></span>ale.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs346\">Wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>hese c<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia a<span class=\"_ _6\"></span>re met<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>ets i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e dis<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>al g<span class=\"_ _6\"></span>roup </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs347\">are me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>red at t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ower of f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e les<span class=\"_ _6\"></span>s cos<span class=\"_ _6\"></span>t to se<span class=\"_ _6\"></span>ll an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs348\">th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g val<span class=\"_ _6\"></span>ue a<span class=\"_ _6\"></span>t the p<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>hey are co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to me<span class=\"_ _6\"></span>et </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs349\">th<span class=\"_ _6\"></span>e cri<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>. The res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ions a<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs34a\">present<span class=\"_ _0\"></span>ed separately<span class=\"_ _0\"></span> in the c<span class=\"_ _0\"></span>onsolidated statement o<span class=\"_ _0\"></span>f </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs34b\">com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ara<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve year res<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs34c\">on a l<span class=\"_ _6\"></span>ike-fo<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-li<span class=\"_ _6\"></span>ke bas<span class=\"_ _6\"></span>is.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs34d\">Wh<span class=\"_ _6\"></span>ere a Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess U<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up is h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d as a dis<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs34e\">op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f sel<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g it<span class=\"_ _6\"></span>, i<span class=\"_ _6\"></span>t wil<span class=\"_ _6\"></span>l rema<span class=\"_ _6\"></span>in </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs34f\">con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated fo<span class=\"_ _6\"></span>r as lo<span class=\"_ _6\"></span>ng as t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia for c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>, as def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs350\">by IFRS 1<span class=\"_ _6\"></span>0 Co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>date<span class=\"_ _6\"></span>d Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l St<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>, are me<span class=\"_ _6\"></span>t. A<span class=\"_ _6\"></span>ll </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs351\">th<span class=\"_ _6\"></span>ree of t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>se cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a mus<span class=\"_ _6\"></span>t be m<span class=\"_ _6\"></span>et in o<span class=\"_ _6\"></span>rde<span class=\"_ _6\"></span>r to con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l an en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs352\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">p<span class=\"_ _6\"></span>ower ove<span class=\"_ _6\"></span>r the i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs353\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">ex<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>sure, o<span class=\"_ _6\"></span>r rig<span class=\"_ _6\"></span>ht<span class=\"_ _6\"></span>s, to var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e retu<span class=\"_ _6\"></span>rns f<span class=\"_ _6\"></span>rom i<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>nvolvem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs354\">wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e; and</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs355\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y t<span class=\"_ _6\"></span>o use i<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>ower over t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e to af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs356\">amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>\u2019s ret<span class=\"_ _6\"></span>urn<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs357\">Wh<span class=\"_ _6\"></span>ile a<span class=\"_ _6\"></span>n agre<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent m<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t be s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>ed to s<span class=\"_ _6\"></span>ell t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, if </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs358\">th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>s to me<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>he cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a for co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs359\">si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ng an<span class=\"_ _6\"></span>d clo<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, de<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nsol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion w<span class=\"_ _6\"></span>ill o<span class=\"_ _6\"></span>nly </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs35a\">occ<span class=\"_ _6\"></span>ur on c<span class=\"_ _6\"></span>los<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>nce t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia are n<span class=\"_ _6\"></span>o lo<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>r me<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls77 ws32 gs35b\">Investment in associates<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs35c\">An a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>te is an e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y over w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p has s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs35d\">inf<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>e. Sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>fl<span class=\"_ _6\"></span>uen<span class=\"_ _6\"></span>ce is t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ower to p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>te in </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs35e\">th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l and o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>y de<span class=\"_ _6\"></span>cisi<span class=\"_ _6\"></span>ons of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs35f\">bu<span class=\"_ _6\"></span>t is n<span class=\"_ _6\"></span>ot co<span class=\"_ _6\"></span>ntro<span class=\"_ _6\"></span>l or j<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l over th<span class=\"_ _6\"></span>ose p<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>icie<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs360\">considerations made<span class=\"_ _0\"></span> in determining<span class=\"_ _0\"></span> significant influence or </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs361\">jo<span class=\"_ _6\"></span>int co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol a<span class=\"_ _6\"></span>re simi<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>r to th<span class=\"_ _6\"></span>ose n<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>ssa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y to de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs362\">con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l over su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs363\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate is a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d for us<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs364\">Un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>hod o<span class=\"_ _6\"></span>f acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g, t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs365\">are in<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>t. Th<span class=\"_ _6\"></span>is is a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>erea<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs366\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s s<span class=\"_ _6\"></span>hare of t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t-acq<span class=\"_ _6\"></span>uis<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs367\">or l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tee i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs368\">com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s sha<span class=\"_ _6\"></span>re of movem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs369\">in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tee i<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs36a\">in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e. Di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ds rec<span class=\"_ _6\"></span>eive<span class=\"_ _6\"></span>d or </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs36b\">rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e from a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as a re<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs36c\">in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs36d\">Wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s s<span class=\"_ _6\"></span>hare of l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es in a<span class=\"_ _6\"></span>n eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y-ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs36e\">inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>als o<span class=\"_ _6\"></span>r excee<span class=\"_ _6\"></span>ds i<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs36f\">in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g any ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r unse<span class=\"_ _6\"></span>cu<span class=\"_ _6\"></span>red lo<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>-ter<span class=\"_ _6\"></span>m rec<span class=\"_ _6\"></span>eiva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs370\">th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p do<span class=\"_ _6\"></span>es no<span class=\"_ _6\"></span>t reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise f<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>ses, u<span class=\"_ _6\"></span>nl<span class=\"_ _6\"></span>ess i<span class=\"_ _6\"></span>t has </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs371\">in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red ob<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>gat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns or m<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s on b<span class=\"_ _6\"></span>eha<span class=\"_ _6\"></span>lf o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs372\">other entit<span class=\"_ _6\"></span>y<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs373\">Un<span class=\"_ _6\"></span>real<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d gai<span class=\"_ _6\"></span>ns on t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p and i<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs374\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>re eli<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs375\">in these entities. Unr<span class=\"_ _0\"></span>ealised losse<span class=\"_ _0\"></span>s ar<span class=\"_ _0\"></span>e also<span class=\"_ _0\"></span> eliminated<span class=\"_ _0\"></span> unless </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs376\">th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on prov<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>s evid<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>e of an i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs377\">ass<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs378\">Af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y me<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>od, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ines </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs379\">whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er i<span class=\"_ _6\"></span>t is ne<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y to reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s on i<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs37a\">inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate. A<span class=\"_ _6\"></span>t eac<span class=\"_ _6\"></span>h repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ate, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs37b\">de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>es whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>here i<span class=\"_ _6\"></span>s an in<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs37c\">in t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate i<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d. I<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ere is s<span class=\"_ _6\"></span>uch a<span class=\"_ _6\"></span>n ind<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion, t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs37d\">Gro<span class=\"_ _6\"></span>up ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>tes th<span class=\"_ _6\"></span>e am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt as t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs37e\">be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e recover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs37f\">ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e, and t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ses t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>oss wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs380\">statement of<span class=\"_ _0\"></span> compreh<span class=\"_ _0\"></span>ensiv<span class=\"_ _0\"></span>e income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs382\">Up<span class=\"_ _6\"></span>on l<span class=\"_ _6\"></span>oss of s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t inf<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>e over th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate, t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs383\">Gro<span class=\"_ _6\"></span>up me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>s and re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>es any re<span class=\"_ _6\"></span>tai<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>t it<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs384\">fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue. A<span class=\"_ _6\"></span>ny di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>feren<span class=\"_ _6\"></span>ce b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs385\">associate<span class=\"_ _0\"></span> upon loss<span class=\"_ _0\"></span> of significant influence or<span class=\"_ _0\"></span> joint control<span class=\"_ _0\"></span> and </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs386\">th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he ret<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d pro<span class=\"_ _6\"></span>cee<span class=\"_ _6\"></span>ds f<span class=\"_ _6\"></span>rom </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs387\">dis<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs388\">Financial<span class=\"_ _0\"></span> instruments<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls77 ws32 gs389\">Financial assets<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd5 ws16 gs38a\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p dete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ines t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of i<span class=\"_ _6\"></span>ts f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts at<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gs38b\">ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. T<span class=\"_ _6\"></span>he req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts of I<span class=\"_ _6\"></span>FRS 9 for c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gs38c\">an<span class=\"_ _6\"></span>d subs<span class=\"_ _6\"></span>eq<span class=\"_ _6\"></span>uen<span class=\"_ _6\"></span>t mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t are ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ed, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h requ<span class=\"_ _6\"></span>ire </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gs38d\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s to be cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span>\u2019s bus<span class=\"_ _6\"></span>ines<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gs38e\">mo<span class=\"_ _6\"></span>del fo<span class=\"_ _6\"></span>r man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gs38f\">cha<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cs of t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs390\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ey are </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs391\">he<span class=\"_ _6\"></span>ld wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin a b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>, the o<span class=\"_ _6\"></span>bj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tive o<span class=\"_ _6\"></span>f whi<span class=\"_ _6\"></span>ch is to </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs392\">ho<span class=\"_ _6\"></span>ld f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s in o<span class=\"_ _6\"></span>rder t<span class=\"_ _6\"></span>o col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs393\">fl<span class=\"_ _6\"></span>ows, an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt so<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ly </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs394\">paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts of p<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t; </div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs395\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs396\">com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e (\u201cF<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TOCI<span class=\"_ _6\"></span>\u201d) i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ey are he<span class=\"_ _6\"></span>ld wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs397\">th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed as \u201dh<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d to col<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d sel<span class=\"_ _6\"></span>l\u201d, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs398\">th<span class=\"_ _6\"></span>e obj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve of whi<span class=\"_ _6\"></span>ch is a<span class=\"_ _6\"></span>chi<span class=\"_ _6\"></span>eved by bo<span class=\"_ _6\"></span>th c<span class=\"_ _6\"></span>oll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs399\">con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows a<span class=\"_ _6\"></span>nd se<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs39a\">th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt so<span class=\"_ _6\"></span>lel<span class=\"_ _6\"></span>y paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs39b\">of pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t; a<span class=\"_ _6\"></span>nd</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs39c\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l asse<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>at do no<span class=\"_ _6\"></span>t me<span class=\"_ _6\"></span>et th<span class=\"_ _6\"></span>e cri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia to be am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs39d\">cos<span class=\"_ _6\"></span>t or F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TOCI a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs39e\">or l<span class=\"_ _6\"></span>oss (\u201c<span class=\"_ _6\"></span>F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL<span class=\"_ _b\"></span>\u201d). In ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up m<span class=\"_ _6\"></span>ay<span class=\"_ _b\"></span>, a<span class=\"_ _6\"></span>t ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs39f\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, des<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>nate a f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t as me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3a0\">F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL i<span class=\"_ _6\"></span>f doi<span class=\"_ _6\"></span>ng so e<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ates o<span class=\"_ _6\"></span>r sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly red<span class=\"_ _6\"></span>uce<span class=\"_ _6\"></span>s an </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs3a1\">accounting mismat<span class=\"_ _0\"></span>ch.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs3a2\">Wh<span class=\"_ _6\"></span>en fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ass<span class=\"_ _6\"></span>ets are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, they are<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs3a3\">me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e, plu<span class=\"_ _6\"></span>s, in th<span class=\"_ _6\"></span>e case of i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts no<span class=\"_ _6\"></span>t at </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs3a4\">fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>it or l<span class=\"_ _6\"></span>oss, d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ly at<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e tra<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs3a5\">cos<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. The purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>e of any credi<span class=\"_ _6\"></span>t-i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ired as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s is als<span class=\"_ _6\"></span>o at </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls6 wsce gs3a6\">fair value<span class=\"_ _0\"></span> af<span class=\"_ _6\"></span>ter an<span class=\"_ _0\"></span>y impairment.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3a7\">E<span class=\"_ _6\"></span>xcep<span class=\"_ _6\"></span>t for cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>s des<span class=\"_ _6\"></span>cri<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3a8\">be<span class=\"_ _6\"></span>low, the G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>oe<span class=\"_ _6\"></span>s not re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>e on i<span class=\"_ _6\"></span>ts b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3a9\">lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>rra<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tors as i<span class=\"_ _6\"></span>t is n<span class=\"_ _6\"></span>ot </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs3aa\">a pr<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>ipa<span class=\"_ _6\"></span>l pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd is n<span class=\"_ _6\"></span>ot ex<span class=\"_ _6\"></span>pose<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3ab\">ris<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d reward<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3ac\">Wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>rus<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>-i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3ad\">an<span class=\"_ _6\"></span>d SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>, all </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3ae\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are he<span class=\"_ _6\"></span>ld to co<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tua<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3af\">The fo<span class=\"_ _6\"></span>ur t<span class=\"_ _6\"></span>yp<span class=\"_ _6\"></span>es of S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d are as fo<span class=\"_ _6\"></span>llows:<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15f ws19b gs3b0\">i) S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e thr<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3b1\">Thi<span class=\"_ _6\"></span>s cat<span class=\"_ _6\"></span>ego<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ily f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3b2\">whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed as f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3b3\">prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss an<span class=\"_ _6\"></span>d are h<span class=\"_ _6\"></span>eld w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of se<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>n to </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs3b4\">inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>. They a<span class=\"_ _6\"></span>re ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e on th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3b5\">ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he su<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>urem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3b6\">wi<span class=\"_ _6\"></span>th a<span class=\"_ _6\"></span>ll ga<span class=\"_ _6\"></span>ins a<span class=\"_ _6\"></span>nd lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s bei<span class=\"_ _6\"></span>ng re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs3b7\">statement of<span class=\"_ _0\"></span> compreh<span class=\"_ _0\"></span>ensiv<span class=\"_ _0\"></span>e income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15f ws19b gs3b8\">ii<span class=\"_ _6\"></span>) SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ed c<span class=\"_ _6\"></span>ost<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3b9\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p hol<span class=\"_ _6\"></span>ds inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts in c<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n SM<span class=\"_ _6\"></span>E bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss lo<span class=\"_ _6\"></span>ans </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3ba\">as a resu<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t of com<span class=\"_ _6\"></span>merc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3bb\">inves<span class=\"_ _6\"></span>tors a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>n cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>lso b<span class=\"_ _6\"></span>uys </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3bc\">ba<span class=\"_ _6\"></span>ck lo<span class=\"_ _6\"></span>ans f<span class=\"_ _6\"></span>rom inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3be\">The<span class=\"_ _6\"></span>se lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>re inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3bf\">(see n<span class=\"_ _6\"></span>ote 12) an<span class=\"_ _6\"></span>d are cl<span class=\"_ _6\"></span>assi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t (as th<span class=\"_ _6\"></span>ey are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3c0\">he<span class=\"_ _6\"></span>ld so<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ly to co<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>ct p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>l and i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts) an<span class=\"_ _6\"></span>d are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3c1\">ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e and s<span class=\"_ _6\"></span>ubse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tly m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured a<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs3c2\">amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t le<span class=\"_ _6\"></span>ss prov<span class=\"_ _6\"></span>isio<span class=\"_ _6\"></span>n for i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. </div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15f ws19b gs3c3\">ii<span class=\"_ _6\"></span>i) Li<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>s of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3c4\">Lend<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct is re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3c5\">ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. This re<span class=\"_ _6\"></span>pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he dr<span class=\"_ _6\"></span>awn </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3c6\">amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e fac<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies, n<span class=\"_ _6\"></span>et of EC<span class=\"_ _6\"></span>L. Th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tua<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3c7\">rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>t so<span class=\"_ _6\"></span>lel<span class=\"_ _6\"></span>y paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts of p<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t (\u201c<span class=\"_ _6\"></span>SPPI<span class=\"_ _6\"></span>\u201d) </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3c8\">an<span class=\"_ _6\"></span>d the b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l und<span class=\"_ _6\"></span>er wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>hey a<span class=\"_ _6\"></span>re hel<span class=\"_ _6\"></span>d is in o<span class=\"_ _6\"></span>rde<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3c9\">to co<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ual c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g in th<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>nes of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3ca\">cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t bei<span class=\"_ _6\"></span>ng m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>red i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tia<span class=\"_ _6\"></span>lly a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue an<span class=\"_ _6\"></span>d sub<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3cb\">at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on fe<span class=\"_ _6\"></span>e asso<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ated w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h Flex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3cc\">is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9 wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me at t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs3cd\">ef<span class=\"_ _6\"></span>fective<span class=\"_ _0\"></span> inter<span class=\"_ _0\"></span>est rate<span class=\"_ _0\"></span> in the<span class=\"_ _0\"></span> consolidated statement<span class=\"_ _0\"></span> of </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs3ce\">com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e an<span class=\"_ _6\"></span>d is reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d over th<span class=\"_ _6\"></span>e exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3cf\">li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he dr<span class=\"_ _6\"></span>awdow<span class=\"_ _6\"></span>n. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3d0\">The Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t are h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d net of ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3d1\">all<span class=\"_ _6\"></span>owa<span class=\"_ _6\"></span>nces u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er IFR<span class=\"_ _6\"></span>S 9, th<span class=\"_ _6\"></span>e met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>log<span class=\"_ _6\"></span>y and d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3d2\">whi<span class=\"_ _6\"></span>ch al<span class=\"_ _6\"></span>ign t<span class=\"_ _6\"></span>o the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>y on im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>irm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3d3\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the exc<span class=\"_ _6\"></span>ept<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3d4\">be<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d at t<span class=\"_ _6\"></span>he avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>evel, e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs3d5\">th<span class=\"_ _6\"></span>e ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ine of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it to t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3d6\">def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>, and a<span class=\"_ _6\"></span>re det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d fur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in no<span class=\"_ _6\"></span>te 1<span class=\"_ _6\"></span>6. Add<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3d7\">th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t l<span class=\"_ _6\"></span>oss a<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e in </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3d8\">rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t, es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs3d9\">of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>, los<span class=\"_ _6\"></span>s given d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t and ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ure at de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>n rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3da\">to th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t were t<span class=\"_ _6\"></span>hey to be d<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n. Thi<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>rawn </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3db\">po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f the l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3dc\">li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es in n<span class=\"_ _6\"></span>ote 15<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15f ws19b gs3dd\">iv) I<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3de\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p hol<span class=\"_ _6\"></span>ds a mi<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>al own<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>et </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3df\">up to f<span class=\"_ _6\"></span>und C<span class=\"_ _6\"></span>BI<span class=\"_ _6\"></span>LS, GGS<span class=\"_ _6\"></span>, RLS a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l loa<span class=\"_ _6\"></span>ns wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3e0\">maj<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ben<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>al own<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d by ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls77 ws7c gs3e1\">inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>. The SM<span class=\"_ _6\"></span>E loan<span class=\"_ _6\"></span>s are ori<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d by <span class=\"_ _0\"></span>Gro<span class=\"_ _6\"></span>up sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls77 ws7c gs3e2\">Fund<span class=\"_ _6\"></span>ing Ci<span class=\"_ _6\"></span>rcle Fo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l Point Len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d for CBI<span class=\"_ _6\"></span>LS and </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls77 ws7c gs3e3\">Fund<span class=\"_ _6\"></span>ing Ci<span class=\"_ _6\"></span>rcle Ecl<span class=\"_ _6\"></span>ips<span class=\"_ _6\"></span>e Lendi<span class=\"_ _6\"></span>ng Lim<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ed or Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Pola<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls77 ws7c gs3e4\">Lend<span class=\"_ _6\"></span>ing Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted for G<span class=\"_ _6\"></span>GS, RLS an<span class=\"_ _6\"></span>d comm<span class=\"_ _6\"></span>erci<span class=\"_ _6\"></span>al lo<span class=\"_ _6\"></span>ans, wh<span class=\"_ _6\"></span>ich<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls77 ws16 gs3e5\">ret<span class=\"_ _6\"></span>ain l<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>ese en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies h<span class=\"_ _6\"></span>old t<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>s leg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls77 ws7c gs3e6\">tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t on beh<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>f of the ma<span class=\"_ _6\"></span>jo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y investo<span class=\"_ _6\"></span>rs who s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly ret<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls77 ws7c gs3e7\">th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e CBI<span class=\"_ _6\"></span>LS, GGS, RLS a<span class=\"_ _6\"></span>nd com<span class=\"_ _6\"></span>merc<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls77 ws16 gs3e8\">lo<span class=\"_ _6\"></span>ans g<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>e and t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>refore t<span class=\"_ _6\"></span>he tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls77 ws7c gs3e9\">wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in, in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g the S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans, are no<span class=\"_ _6\"></span>t cons<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3ea\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er i<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ls th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3eb\">un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia of I<span class=\"_ _6\"></span>FRS 10. C<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed to ex<span class=\"_ _6\"></span>ist </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs3ec\">if t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as th<span class=\"_ _6\"></span>e powe<span class=\"_ _6\"></span>r to dire<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es of en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls7 ws8 gs3ed\">an<span class=\"_ _6\"></span>d str<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res an<span class=\"_ _6\"></span>d uses t<span class=\"_ _6\"></span>his co<span class=\"_ _6\"></span>ntro<span class=\"_ _6\"></span>l to obt<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n a vari<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ret<span class=\"_ _6\"></span>urn<span class=\"_ _6\"></span>, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs3ee\">to whi<span class=\"_ _6\"></span>ch i<span class=\"_ _6\"></span>t is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to the m<span class=\"_ _6\"></span>ajo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y. As the<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs3ef\">Gro<span class=\"_ _6\"></span>up\u2019s ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing i<span class=\"_ _6\"></span>s sma<span class=\"_ _6\"></span>ll com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red to t<span class=\"_ _6\"></span>he maj<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3f0\">an<span class=\"_ _6\"></span>d par<span class=\"_ _6\"></span>i pas<span class=\"_ _6\"></span>su, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>s not ex<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>sed to t<span class=\"_ _6\"></span>he m<span class=\"_ _6\"></span>ajo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3f1\">of t<span class=\"_ _6\"></span>he var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows of t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>rus<span class=\"_ _6\"></span>t, a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>t is n<span class=\"_ _6\"></span>ot </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3f2\">con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ruc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ures, s<span class=\"_ _6\"></span>o th<span class=\"_ _6\"></span>ey are no<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3f3\">con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3f4\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s are cl<span class=\"_ _6\"></span>assi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs3f5\">an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s. They a<span class=\"_ _6\"></span>re ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs3f6\">ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t wit<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs3f7\">wi<span class=\"_ _6\"></span>th a<span class=\"_ _6\"></span>ll ga<span class=\"_ _6\"></span>ins an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>ses b<span class=\"_ _6\"></span>ein<span class=\"_ _6\"></span>g reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs3f8\">statement of<span class=\"_ _0\"></span> compreh<span class=\"_ _0\"></span>ensiv<span class=\"_ _0\"></span>e income<span class=\"_ _0\"></span>. </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs3f9\">The Gr<span class=\"_ _0\"></span>oup r<span class=\"_ _0\"></span>ecognises transaction f<span class=\"_ _0\"></span>ee income<span class=\"_ _0\"></span> on origination </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3fa\">of lo<span class=\"_ _6\"></span>ans w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust a<span class=\"_ _6\"></span>nd s<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ce fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me on t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3fb\">wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t, e<span class=\"_ _6\"></span>lim<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng i<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>ropo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal ow<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p sha<span class=\"_ _6\"></span>re of </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs3fc\">th<span class=\"_ _6\"></span>e ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice fe<span class=\"_ _6\"></span>es. A s<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>me le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er fee i<span class=\"_ _6\"></span>s cha<span class=\"_ _6\"></span>rged i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3fd\">th<span class=\"_ _6\"></span>e or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of CB<span class=\"_ _6\"></span>ILS a<span class=\"_ _6\"></span>nd RLS l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs3fe\">is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to ret<span class=\"_ _6\"></span>urn<span class=\"_ _6\"></span>s on t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2a ws33 gs400\">Other financial assets<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs401\">Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ance s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et as t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs402\">ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s are cl<span class=\"_ _6\"></span>assi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>hey are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs403\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e and s<span class=\"_ _6\"></span>ubse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tly m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs404\">at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t le<span class=\"_ _6\"></span>ss prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on for i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs405\">Ne<span class=\"_ _6\"></span>t inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>ease re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>les a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs406\">ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s repres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e net p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs407\">le<span class=\"_ _6\"></span>ase p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt rec<span class=\"_ _6\"></span>eiva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e. Inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t is rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs408\">costs in<span class=\"_ _0\"></span> the statement o<span class=\"_ _0\"></span>f compr<span class=\"_ _0\"></span>ehensiv<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>ome.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs409\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>re cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs40a\">wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of mo<span class=\"_ _6\"></span>ney ma<span class=\"_ _6\"></span>rket f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at are cl<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs40b\">as F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL. C<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de c<span class=\"_ _6\"></span>ash i<span class=\"_ _6\"></span>n han<span class=\"_ _6\"></span>d, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs40c\">de<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld at c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>l wi<span class=\"_ _6\"></span>th b<span class=\"_ _6\"></span>anks<span class=\"_ _6\"></span>, mon<span class=\"_ _6\"></span>ey mar<span class=\"_ _6\"></span>ket f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s and </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs40d\">ot<span class=\"_ _6\"></span>her s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t-te<span class=\"_ _6\"></span>rm h<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ly li<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>al </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs40e\">ma<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>ree m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs o<span class=\"_ _6\"></span>r les<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e car<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs40f\">th<span class=\"_ _6\"></span>ese as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts ap<span class=\"_ _6\"></span>prox<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes to t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15f ws19b gs410\">Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs411\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>f IFRS 9. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs412\">The I<span class=\"_ _6\"></span>FRS 9 imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l req<span class=\"_ _6\"></span>uires a t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e-s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>age a<span class=\"_ _6\"></span>ppro<span class=\"_ _6\"></span>ach:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs413\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 inc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>des f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have no<span class=\"_ _6\"></span>t had a </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs414\">signific<span class=\"_ _6\"></span>ant inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> in cr<span class=\"_ _0\"></span>edit risk since<span class=\"_ _0\"></span> initial recognition or </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs415\">th<span class=\"_ _6\"></span>at have l<span class=\"_ _6\"></span>ow cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k at th<span class=\"_ _6\"></span>e rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g dat<span class=\"_ _6\"></span>e. For th<span class=\"_ _6\"></span>ese </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs416\">ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s, 12-mon<span class=\"_ _6\"></span>th ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ses (\u201c<span class=\"_ _6\"></span>ECL<span class=\"_ _6\"></span>s\u201d) (<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>at is, </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs417\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es ar<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e nex<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs418\">12 mon<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>s) are reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>st in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs419\">on t<span class=\"_ _6\"></span>he gro<span class=\"_ _6\"></span>ss c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt of t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t (th<span class=\"_ _6\"></span>at is<span class=\"_ _6\"></span>, wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs41a\">de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce)<span class=\"_ _0\"></span>. </div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs41b\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2 ls3d ws47\">S<span class=\"_ _6\"></span>tage 2 includes financial<span class=\"_ _0\"></span> instruments that ha<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span> had a </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs41c\">signific<span class=\"_ _6\"></span>ant inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> in cr<span class=\"_ _0\"></span>edit risk since<span class=\"_ _0\"></span> initial recognition </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs41d\">(unl<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>hey h<span class=\"_ _6\"></span>ave low cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k at t<span class=\"_ _6\"></span>he rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g da<span class=\"_ _6\"></span>te) but </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs41e\">are no<span class=\"_ _6\"></span>t cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d. Fo<span class=\"_ _6\"></span>r the<span class=\"_ _6\"></span>se as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECLs (<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>at </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs41f\">is, ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t over t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs420\">li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t) are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed, a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs421\">in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is st<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he g<span class=\"_ _6\"></span>ross c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>unt o<span class=\"_ _6\"></span>f </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs422\">th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>roup as<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>mes t<span class=\"_ _6\"></span>here h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en a s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs423\">in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k i<span class=\"_ _6\"></span>f ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs424\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s excee<span class=\"_ _6\"></span>d 30 d<span class=\"_ _6\"></span>ays pas<span class=\"_ _6\"></span>t du<span class=\"_ _6\"></span>e, in li<span class=\"_ _6\"></span>ne wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs425\">reb<span class=\"_ _6\"></span>ut<span class=\"_ _5\"></span>tab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>resum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion p<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 9, or w<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk s<span class=\"_ _6\"></span>core </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs426\">of t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r is ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d to have de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ior<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d above </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs427\">a cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>resh<span class=\"_ _6\"></span>old re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to the<span class=\"_ _6\"></span>ir sc<span class=\"_ _6\"></span>ore at o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs428\">at wh<span class=\"_ _6\"></span>ich p<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>he ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to be s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2.</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs429\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">St<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 3 cons<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>s of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l asse<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>at are cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d, </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs42a\">whi<span class=\"_ _6\"></span>ch is w<span class=\"_ _6\"></span>hen o<span class=\"_ _6\"></span>ne o<span class=\"_ _6\"></span>r more even<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have a de<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ime<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>al </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs42b\">imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4 ws2f gs42c\">ass<span class=\"_ _6\"></span>et have occu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. For th<span class=\"_ _6\"></span>ese ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _6\"></span>s are also </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs42d\">reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed<span class=\"_ _6\"></span>, bu<span class=\"_ _6\"></span>t inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t inc<span class=\"_ _6\"></span>ome i<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>et </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs42e\">ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt (t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t is, ne<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ECL a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce)<span class=\"_ _0\"></span>. The </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs42f\">Gro<span class=\"_ _6\"></span>up de<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>nes a d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t, cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3, as a<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>et </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs430\">wi<span class=\"_ _6\"></span>th any ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s excee<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g a 90<span class=\"_ _6\"></span>-d<span class=\"_ _6\"></span>ay due da<span class=\"_ _6\"></span>te, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs431\">whi<span class=\"_ _6\"></span>ch ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e poi<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs432\">to be d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted. A<span class=\"_ _6\"></span>n ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt th<span class=\"_ _6\"></span>at is d<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>d to be f<span class=\"_ _6\"></span>rau<span class=\"_ _6\"></span>dul<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs433\">(i.e. th<span class=\"_ _6\"></span>ird p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n fra<span class=\"_ _6\"></span>ud) is w<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f a<span class=\"_ _6\"></span>t poi<span class=\"_ _6\"></span>nt of </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs434\">identif<span class=\"_ _6\"></span>ication.</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs435\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls2b ws66\">In som<span class=\"_ _6\"></span>e circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces wh<span class=\"_ _6\"></span>ere as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s are bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k by </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2b ws66 gs436\">th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p, the f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>se </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs437\">me<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f purc<span class=\"_ _6\"></span>hase<span class=\"_ _6\"></span>d or o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs438\">imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red (\u201c<span class=\"_ _6\"></span>PO<span class=\"_ _6\"></span>CI<span class=\"_ _6\"></span>\u201d), and i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t is t<span class=\"_ _6\"></span>here<span class=\"_ _6\"></span>fore ba<span class=\"_ _6\"></span>sed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs439\">on l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs43b\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s on a for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e expe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs43c\">cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>ses as<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>ed wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h it<span class=\"_ _6\"></span>s fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s car<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ed at </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs43d\">amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t and rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s a <span class=\"_ _0\"></span>los<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce for su<span class=\"_ _6\"></span>ch los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs43e\">at e<span class=\"_ _6\"></span>ach rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g da<span class=\"_ _6\"></span>te. The m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt of E<span class=\"_ _6\"></span>CLs ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs43f\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>n un<span class=\"_ _6\"></span>bias<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>weig<span class=\"_ _6\"></span>hte<span class=\"_ _6\"></span>d amo<span class=\"_ _6\"></span>unt t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t is </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs440\">de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by eval<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g a ra<span class=\"_ _6\"></span>nge o<span class=\"_ _6\"></span>f pos<span class=\"_ _6\"></span>sib<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>utc<span class=\"_ _6\"></span>ome<span class=\"_ _6\"></span>s;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs441\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>ue of m<span class=\"_ _6\"></span>oney; a<span class=\"_ _6\"></span>nd</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs442\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>nd su<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>at is avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e </span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs443\">wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>due c<span class=\"_ _6\"></span>ost o<span class=\"_ _6\"></span>r ef<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>ate ab<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs444\">pas<span class=\"_ _6\"></span>t even<span class=\"_ _6\"></span>ts, cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd4 wsf8 gs445\">economic c<span class=\"_ _0\"></span>onditions.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs446\">If i<span class=\"_ _6\"></span>n a sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs447\">de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>n be rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d ob<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely to a<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs448\">event o<span class=\"_ _6\"></span>ccu<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t was re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed, t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs449\">previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>s reverse<span class=\"_ _6\"></span>d, to t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs44a\">ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et d<span class=\"_ _6\"></span>oes n<span class=\"_ _6\"></span>ot exce<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs44b\">amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he rever<span class=\"_ _6\"></span>sal d<span class=\"_ _6\"></span>ate. A<span class=\"_ _6\"></span>ny sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt revers<span class=\"_ _6\"></span>al </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs44c\">of an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt of </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs44d\">comprehen<span class=\"_ _0\"></span>sive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15d ws191 gs44e\">Derecognition<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> assets<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs44f\">Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts are d<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed on<span class=\"_ _6\"></span>ly wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs450\">ri<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s expi<span class=\"_ _6\"></span>re or t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs451\">Gro<span class=\"_ _6\"></span>up has e<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t to rece<span class=\"_ _6\"></span>ive </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs452\">th<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>at as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>, or h<span class=\"_ _6\"></span>as ass<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>d an o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs453\">to pay t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows to on<span class=\"_ _6\"></span>e or m<span class=\"_ _6\"></span>ore rec<span class=\"_ _6\"></span>ipi<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s. </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs454\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p dere<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>es a tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t if i<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs455\">tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fers s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly al<span class=\"_ _6\"></span>l th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d reward<span class=\"_ _6\"></span>s of own<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2d ws5 gs456\">Financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs457\">Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r paya<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs458\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue an<span class=\"_ _6\"></span>d sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>ntl<span class=\"_ _6\"></span>y at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs459\">cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue of a n<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t-b<span class=\"_ _6\"></span>ear<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>s it<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs45a\">dis<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d repay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t. I<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e due d<span class=\"_ _6\"></span>ate of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs45b\">is le<span class=\"_ _6\"></span>ss t<span class=\"_ _6\"></span>han o<span class=\"_ _6\"></span>ne yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng is o<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs45c\">A fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is de<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e obl<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs45d\">th<span class=\"_ _6\"></span>e lia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is dis<span class=\"_ _6\"></span>cha<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>d or c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>r exp<span class=\"_ _6\"></span>ires. </div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15d ws191 gs45e\">Bank borr<span class=\"_ _0\"></span>owing<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs45f\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s (drawd<span class=\"_ _6\"></span>owns u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t faci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es) are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs460\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e, bei<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r iss<span class=\"_ _6\"></span>ue p<span class=\"_ _6\"></span>roce<span class=\"_ _6\"></span>eds </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs461\">ne<span class=\"_ _6\"></span>t of tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on cos<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. Th<span class=\"_ _6\"></span>ese in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs462\">sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t usi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>ive </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs463\">intere<span class=\"_ _0\"></span>st rate<span class=\"_ _0\"></span> method. </div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls4 ws2f gs464\">Provisions<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs465\">Provis<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p has a p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs466\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion (l<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>al o<span class=\"_ _6\"></span>r cons<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ruc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive) as a resu<span class=\"_ _6\"></span>lt of a p<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t event<span class=\"_ _6\"></span>, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs467\">it i<span class=\"_ _6\"></span>s prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l be req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>red to se<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>hat </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs468\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>nd a re<span class=\"_ _6\"></span>lia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate c<span class=\"_ _6\"></span>an be m<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs469\">of t<span class=\"_ _6\"></span>he ob<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>gat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls77 ws32 gs46a\">Loan repurchases<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs46b\">Loan re<span class=\"_ _6\"></span>purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>s is<span class=\"_ _6\"></span>sue<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p are t<span class=\"_ _6\"></span>hose </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs46c\">con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ire a pay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t to be m<span class=\"_ _6\"></span>ade to re<span class=\"_ _6\"></span>imb<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>se th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs46d\">ho<span class=\"_ _6\"></span>lde<span class=\"_ _6\"></span>r for a l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>curs b<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>au<span class=\"_ _6\"></span>se th<span class=\"_ _6\"></span>e sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ied d<span class=\"_ _6\"></span>eb<span class=\"_ _6\"></span>tor f<span class=\"_ _6\"></span>ails t<span class=\"_ _6\"></span>o </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs46e\">ma<span class=\"_ _6\"></span>ke a payme<span class=\"_ _6\"></span>nt wh<span class=\"_ _6\"></span>en du<span class=\"_ _6\"></span>e in a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>rdan<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>rms o<span class=\"_ _6\"></span>f a </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs46f\">de<span class=\"_ _6\"></span>bt in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. Loa<span class=\"_ _6\"></span>n rep<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs470\">ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly as a l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e, ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>r tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs471\">th<span class=\"_ _6\"></span>at are d<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly at<span class=\"_ _5\"></span>tri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e iss<span class=\"_ _6\"></span>uan<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs472\">The l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y is s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>eq<span class=\"_ _6\"></span>uen<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at th<span class=\"_ _6\"></span>e hi<span class=\"_ _6\"></span>ghe<span class=\"_ _6\"></span>r of th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs473\">be<span class=\"_ _6\"></span>st es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>te of th<span class=\"_ _6\"></span>e exp<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ure re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>red to s<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs474\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g date a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs475\">les<span class=\"_ _6\"></span>s cum<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. Th<span class=\"_ _6\"></span>e exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t l<span class=\"_ _6\"></span>oss m<span class=\"_ _6\"></span>ode<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs476\">is us<span class=\"_ _6\"></span>ed to m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>re and re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l lia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws5 gs478\">Share capital </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs479\">Ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares are c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed as e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y w<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir ter<span class=\"_ _6\"></span>ms </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs47a\">in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de no c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l obl<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsfe<span class=\"_ _6\"></span>r cas<span class=\"_ _6\"></span>h or a<span class=\"_ _6\"></span>not<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs47b\">financial ass<span class=\"_ _0\"></span>et to<span class=\"_ _0\"></span> another entity<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs47c\">Earnings/<span class=\"_ _0\"></span>(lo<span class=\"_ _0\"></span>ss)<span class=\"_ _0\"></span> per share<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs47d\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p prese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s bas<span class=\"_ _6\"></span>ic an<span class=\"_ _6\"></span>d di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s/(loss) p<span class=\"_ _6\"></span>er </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs47e\">sh<span class=\"_ _6\"></span>are (\u201c<span class=\"_ _6\"></span>EPS\u201d<span class=\"_ _6\"></span>) for i<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>rdi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s. Bas<span class=\"_ _6\"></span>ic a<span class=\"_ _6\"></span>nd di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted EP<span class=\"_ _6\"></span>S are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs47f\">ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed by di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>/(los<span class=\"_ _6\"></span>s) at<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to ordi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs480\">sh<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>old<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>s by the we<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hted ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r of ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs481\">sh<span class=\"_ _6\"></span>ares ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the ye<span class=\"_ _6\"></span>ar excl<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>ng s<span class=\"_ _6\"></span>hares h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d as </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs482\">own s<span class=\"_ _6\"></span>hares i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny\u2019s Em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e Ben<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>it T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs483\">shares<span class=\"_ _0\"></span> held in tr<span class=\"_ _0\"></span>easury<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs484\">For d<span class=\"_ _6\"></span>ilu<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d ear<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>gs p<span class=\"_ _6\"></span>er sh<span class=\"_ _6\"></span>are, t<span class=\"_ _6\"></span>he wei<span class=\"_ _6\"></span>ghte<span class=\"_ _6\"></span>d avera<span class=\"_ _6\"></span>ge n<span class=\"_ _6\"></span>umb<span class=\"_ _6\"></span>er </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs485\">of ord<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares i<span class=\"_ _6\"></span>n issu<span class=\"_ _6\"></span>e is a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d to ass<span class=\"_ _6\"></span>ume c<span class=\"_ _6\"></span>onvers<span class=\"_ _6\"></span>ion </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs486\">of al<span class=\"_ _6\"></span>l dil<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ive p<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>al o<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares<span class=\"_ _6\"></span>. The d<span class=\"_ _6\"></span>ilu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive po<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs487\">ordinary shares<span class=\"_ _0\"></span> include those<span class=\"_ _0\"></span> share<span class=\"_ _0\"></span> options granted<span class=\"_ _0\"></span> to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs488\">em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>es un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span>\u2019s sha<span class=\"_ _6\"></span>re-<span class=\"_ _6\"></span>bas<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>mpe<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs489\">sch<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch do n<span class=\"_ _6\"></span>ot h<span class=\"_ _6\"></span>ave an exercis<span class=\"_ _6\"></span>e pr<span class=\"_ _6\"></span>ice o<span class=\"_ _6\"></span>r whe<span class=\"_ _6\"></span>re th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs48a\">exercis<span class=\"_ _6\"></span>e pr<span class=\"_ _6\"></span>ice i<span class=\"_ _6\"></span>s les<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>an th<span class=\"_ _6\"></span>e avera<span class=\"_ _6\"></span>ge ma<span class=\"_ _6\"></span>rket p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs48b\">Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny\u2019s o<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares d<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls64 ws94 gs48c\">Sh<span class=\"_ _6\"></span>are<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld by t<span class=\"_ _6\"></span>he Em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee B<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d Sh<span class=\"_ _6\"></span>are I<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tive<span class=\"_ _6\"></span> </div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls165 ws4f gs48d\">P<span class=\"_ _6\"></span>l<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>n<span class=\"_ _6\"></span> Tr<span class=\"_ _5\"></span>u<span class=\"_ _6\"></span>s<span class=\"_ _5\"></span>t<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs48e\">The C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any ha<span class=\"_ _6\"></span>s est<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>hed a<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>hore Em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee Be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs48f\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t (\u201cEBT\u201d<span class=\"_ _6\"></span>) and a<span class=\"_ _6\"></span>n onsh<span class=\"_ _6\"></span>ore Sh<span class=\"_ _6\"></span>are In<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve Plan (\u201c<span class=\"_ _6\"></span>SI<span class=\"_ _6\"></span>P\u201d<span class=\"_ _6\"></span>) T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs490\">The EBT a<span class=\"_ _6\"></span>nd SI<span class=\"_ _6\"></span>P T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t provi<span class=\"_ _6\"></span>de for t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>e of sh<span class=\"_ _6\"></span>ares to G<span class=\"_ _6\"></span>roup </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs491\">em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>es pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y und<span class=\"_ _6\"></span>er s<span class=\"_ _6\"></span>hare o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion s<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>mes a<span class=\"_ _6\"></span>nd SI<span class=\"_ _6\"></span>P </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs492\">resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely. The Gro<span class=\"_ _6\"></span>up has c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>rol o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e EBT and SI<span class=\"_ _6\"></span>P T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs493\">an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>refore c<span class=\"_ _6\"></span>onso<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>e T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts in t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs494\">st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>. Sin<span class=\"_ _6\"></span>ce 2022, th<span class=\"_ _6\"></span>e T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tee of t<span class=\"_ _6\"></span>he EBT ha<span class=\"_ _6\"></span>s purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs495\">th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny\u2019s sh<span class=\"_ _6\"></span>ares i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e mar<span class=\"_ _6\"></span>ket in o<span class=\"_ _6\"></span>rde<span class=\"_ _6\"></span>r to sa<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>y th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs496\">exercis<span class=\"_ _6\"></span>e of em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on sc<span class=\"_ _6\"></span>hem<span class=\"_ _6\"></span>es. S<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs497\">are pu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d at cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d are t<span class=\"_ _6\"></span>reate<span class=\"_ _6\"></span>d as a </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs498\">de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion to s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>reho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ers\u2019 e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y. No gai<span class=\"_ _6\"></span>n or l<span class=\"_ _6\"></span>oss is </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs499\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>urcha<span class=\"_ _6\"></span>se or </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs49a\">ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls77 ws7c gs49b\">Reser<span class=\"_ _6\"></span>ves<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls77 ws32 gs49c\">Foreign ex<span class=\"_ _0\"></span>change reserve<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs49d\">The fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n excha<span class=\"_ _6\"></span>nge re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve re<span class=\"_ _6\"></span>pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e cumu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>tive </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs49e\">for<span class=\"_ _0\"></span>eign c<span class=\"_ _0\"></span>urrency<span class=\"_ _0\"></span> translation mo<span class=\"_ _0\"></span>vement<span class=\"_ _0\"></span> on the<span class=\"_ _0\"></span> assets and<span class=\"_ _0\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls3d ws47 gs49f\">liabilities of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s international<span class=\"_ _0\"></span> operations at y<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>-end </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs4a0\">excha<span class=\"_ _6\"></span>nge r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s and o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>s from ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4a1\">excha<span class=\"_ _6\"></span>nge r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s to year-en<span class=\"_ _6\"></span>d excha<span class=\"_ _6\"></span>nge r<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls4 ws68 gs4a2\">Share prem<span class=\"_ _6\"></span>ium </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4a3\">Proc<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>ds rec<span class=\"_ _6\"></span>eive<span class=\"_ _6\"></span>d in exces<span class=\"_ _6\"></span>s of t<span class=\"_ _6\"></span>he no<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>al va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f sha<span class=\"_ _6\"></span>res </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4a4\">iss<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d, or o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e mar<span class=\"_ _6\"></span>ket val<span class=\"_ _6\"></span>ue of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s exercis<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n excess </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs4a5\">of t<span class=\"_ _6\"></span>he exerci<span class=\"_ _6\"></span>se pr<span class=\"_ _6\"></span>ice n<span class=\"_ _6\"></span>et of a<span class=\"_ _6\"></span>ny tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2d ws5 gs4a6\">Share opti<span class=\"_ _0\"></span>ons r<span class=\"_ _0\"></span>eserve<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs4a7\">The s<span class=\"_ _6\"></span>hare o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he cum<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ve cha<span class=\"_ _6\"></span>rges </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4a8\">to in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e und<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 2 Sh<span class=\"_ _6\"></span>are-<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>sed P<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>n al<span class=\"_ _6\"></span>l sha<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4a9\">op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons an<span class=\"_ _6\"></span>d sch<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>es gr<span class=\"_ _6\"></span>ante<span class=\"_ _6\"></span>d, ne<span class=\"_ _6\"></span>t of sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on exerc<span class=\"_ _6\"></span>ises<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4aa\">The c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s are t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer<span class=\"_ _6\"></span>red to re<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d ea<span class=\"_ _6\"></span>rni<span class=\"_ _6\"></span>ngs w<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>n opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls39 ws42 gs4ab\">are exe<span class=\"_ _6\"></span>rcis<span class=\"_ _6\"></span>ed.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs4ad\">Share buybacks </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4ae\">Sh<span class=\"_ _6\"></span>ares pu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>s par<span class=\"_ _5\"></span>t of th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4af\">sh<span class=\"_ _6\"></span>are bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>ck pro<span class=\"_ _6\"></span>gr<span class=\"_ _6\"></span>amm<span class=\"_ _6\"></span>e redu<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>he eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4b0\">bu<span class=\"_ _6\"></span>t are a<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>-d<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ive an<span class=\"_ _6\"></span>d ret<span class=\"_ _6\"></span>urn v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e to sha<span class=\"_ _6\"></span>reh<span class=\"_ _6\"></span>old<span class=\"_ _6\"></span>ers w<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs4b1\">calculating earnings per sha<span class=\"_ _0\"></span>re.<span class=\"_ _0\"></span> The<span class=\"_ _0\"></span> nominal cost<span class=\"_ _0\"></span> of the shar<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span> </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs4b2\">pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>ed an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed is t<span class=\"_ _6\"></span>rea<span class=\"_ _6\"></span>ted as a re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n sha<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4b3\">ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l wi<span class=\"_ _6\"></span>th a<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g inc<span class=\"_ _6\"></span>reas<span class=\"_ _6\"></span>e in th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l red<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4b4\">rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve. The c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al re<span class=\"_ _6\"></span>dem<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve is a n<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-d<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4b5\">rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve whi<span class=\"_ _6\"></span>ch ca<span class=\"_ _6\"></span>n be us<span class=\"_ _6\"></span>ed to p<span class=\"_ _6\"></span>ay up ne<span class=\"_ _6\"></span>w sha<span class=\"_ _6\"></span>res al<span class=\"_ _6\"></span>lot<span class=\"_ _5\"></span>ted as </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4b6\">fu<span class=\"_ _6\"></span>lly p<span class=\"_ _6\"></span>aid b<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>us sh<span class=\"_ _6\"></span>ares (i<span class=\"_ _6\"></span>n the ye<span class=\"_ _6\"></span>ar en<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs4b7\">an<span class=\"_ _6\"></span>d 202<span class=\"_ _0\"></span>4 the re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve is i<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ial fo<span class=\"_ _6\"></span>r dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sure i<span class=\"_ _6\"></span>n the </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4b8\">SO<span class=\"_ _6\"></span>CIE). The co<span class=\"_ _6\"></span>st of t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hare p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>usive o<span class=\"_ _6\"></span>f st<span class=\"_ _6\"></span>amp </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4b9\">du<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>d broke<span class=\"_ _6\"></span>r fees is d<span class=\"_ _6\"></span>eb<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>d to ret<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed e<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>gs. </div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls4 ws68 gs4ba\">T<span class=\"_ _b\"></span>reasu<span class=\"_ _6\"></span>ry shares<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs4bb\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p may pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>res to ho<span class=\"_ _6\"></span>ld i<span class=\"_ _6\"></span>n tre<span class=\"_ _6\"></span>asur<span class=\"_ _6\"></span>y. T<span class=\"_ _b\"></span>reas<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4bc\">sh<span class=\"_ _6\"></span>ares are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as a d<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on i<span class=\"_ _6\"></span>n equ<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y at cos<span class=\"_ _6\"></span>t, </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs4bd\">an<span class=\"_ _6\"></span>d no ga<span class=\"_ _6\"></span>in or l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs4be\">st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>rehe<span class=\"_ _6\"></span>nsive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me as a res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4bf\">sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt s<span class=\"_ _6\"></span>ale o<span class=\"_ _6\"></span>r ca<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>lla<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-362": {
   "value": "General information<span class=\"_ _2f2\"> </span>Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ho<span class=\"_ _6\"></span>ldi<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>lc (<span class=\"_ _6\"></span>the \u201c<span class=\"_ _6\"></span>C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any\u201d<span class=\"_ _6\"></span>) is a p<span class=\"_ _6\"></span>ubl<span class=\"_ _6\"></span>ic com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d by sha<span class=\"_ _6\"></span>res<span class=\"_ _2f2\"> </span>, wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>s lis<span class=\"_ _6\"></span>ted o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Lond<span class=\"_ _6\"></span>on S<span class=\"_ _6\"></span>tock E<span class=\"_ _6\"></span>xch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e an<span class=\"_ _6\"></span>d is do<span class=\"_ _6\"></span>mic<span class=\"_ _6\"></span>ile<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d inc<span class=\"_ _6\"></span>orp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he Un<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>d Ki<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>dom u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ani<span class=\"_ _6\"></span>es Ac<span class=\"_ _6\"></span>t 200<span class=\"_ _6\"></span>6 and reg<span class=\"_ _6\"></span>iste<span class=\"_ _6\"></span>red i<span class=\"_ _6\"></span>n Eng<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d and Wa<span class=\"_ _6\"></span>les<span class=\"_ _6\"></span>. The a<span class=\"_ _6\"></span>ddre<span class=\"_ _6\"></span>ss of i<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>gis<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>d of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e is give<span class=\"_ _6\"></span>n on p<span class=\"_ _6\"></span>age 1<span class=\"_ _6\"></span>92. Th<span class=\"_ _6\"></span>e cons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p for the yea<span class=\"_ _6\"></span>r end<span class=\"_ _6\"></span>ed 31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any and i<span class=\"_ _6\"></span>ts su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>es (to<span class=\"_ _6\"></span>get<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r refer<span class=\"_ _6\"></span>red to as t<span class=\"_ _6\"></span>he \u201cG<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u201d and i<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>dua<span class=\"_ _6\"></span>lly a<span class=\"_ _6\"></span>s \u201cG<span class=\"_ _6\"></span>roup e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>\u201d).<span class=\"_ _2f2\"> </span>The p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p and t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>atu<span class=\"_ _6\"></span>re of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s are as a fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ato<span class=\"_ _6\"></span>r of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce fo<span class=\"_ _6\"></span>r SME<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The principal<span class=\"_ _0\"></span> accounting policies<span class=\"_ _0\"></span> applied in the<span class=\"_ _0\"></span> preparation of t<span class=\"_ _6\"></span>hese f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts are s<span class=\"_ _6\"></span>et ou<span class=\"_ _6\"></span>t b<span class=\"_ _6\"></span>elow. The<span class=\"_ _6\"></span>se po<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>cies have be<span class=\"_ _6\"></span>en c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ied to a<span class=\"_ _6\"></span>ll t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>rs pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ted, un<span class=\"_ _6\"></span>les<span class=\"_ _6\"></span>s ot<span class=\"_ _6\"></span>her<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ise s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ted.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-358": {
   "value": "Funding Circle Holdings plc ",
   "dimensions": {
    "concept": "ifrs-full:NameOfParentEntity",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-4": {
   "value": "Funding Circle Holdings plc",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-5": {
   "value": "public company limited by shares ",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-6": {
   "value": "United Kingdom",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-359": {
   "value": "United Kingdom",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "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": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-363": {
   "value": "Going concern<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p mad<span class=\"_ _6\"></span>e a tot<span class=\"_ _6\"></span>al co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>rehe<span class=\"_ _6\"></span>nsive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me of \u00a3<span class=\"_ _6\"></span>46.0 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span> du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g the yea<span class=\"_ _6\"></span>r end<span class=\"_ _6\"></span>ed 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 <span class=\"_ _0\"></span>(202<span class=\"_ _0\"></span>4: <span class=\"_ _0\"></span>exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e of \u00a30.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on)<span class=\"_ _0\"></span>. As at 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025, the Gro<span class=\"_ _6\"></span>up had n<span class=\"_ _6\"></span>et ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s of \u00a3228.4 mill<span class=\"_ _6\"></span>ion (2024: <span class=\"_ _0\"></span>\u00a321<span class=\"_ _6\"></span>6.5 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on)<span class=\"_ _0\"></span>. This in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des<span class=\"_ _6\"></span> \u00a31<span class=\"_ _6\"></span>52.4 <span class=\"_ _0\"></span>mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>of cas<span class=\"_ _6\"></span>h and cash eq<span class=\"_ _6\"></span>uiv<span class=\"_ _6\"></span>ale<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s (2<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>4: \u00a3187<span class=\"_ _b\"></span>.6 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>, of whi<span class=\"_ _6\"></span>ch \u00a351.5 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (2024: \u00a337<span class=\"_ _a\"></span>.1 <span class=\"_ _0\"></span>mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on) is hel<span class=\"_ _6\"></span>d for spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c pu<span class=\"_ _6\"></span>rpo<span class=\"_ _6\"></span>ses an<span class=\"_ _6\"></span>d is rest<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d in use. W<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n the ne<span class=\"_ _6\"></span>t asse<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>, the Gro<span class=\"_ _6\"></span>up ho<span class=\"_ _6\"></span>lds \u00a39<span class=\"_ _6\"></span>4.5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a353<span class=\"_ _6\"></span>.5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) of investe<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l, som<span class=\"_ _6\"></span>e of which is c<span class=\"_ _6\"></span>apa<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e of <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>ing mo<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>f liqu<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y needs arise.<span class=\"_ _2f2\"> </span>The f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts are p<span class=\"_ _6\"></span>rep<span class=\"_ _6\"></span>ared o<span class=\"_ _6\"></span>n a goi<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>ern bas<span class=\"_ _6\"></span>is as t<span class=\"_ _6\"></span>he D<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s are sa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sf<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ha<span class=\"_ _6\"></span>s the reso<span class=\"_ _6\"></span>urces t<span class=\"_ _6\"></span>o con<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>ue i<span class=\"_ _6\"></span>n bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss for t<span class=\"_ _6\"></span>he fore<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>eab<span class=\"_ _6\"></span>le f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure (whi<span class=\"_ _6\"></span>ch has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n ta<span class=\"_ _6\"></span>ken as at l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>t 12 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs fro<span class=\"_ _6\"></span>m the d<span class=\"_ _6\"></span>ate of ap<span class=\"_ _6\"></span>prova<span class=\"_ _6\"></span>l of th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts). The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has pre<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s for t<span class=\"_ _6\"></span>he nex<span class=\"_ _6\"></span>t 1<span class=\"_ _6\"></span>5 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs to 30 J<span class=\"_ _6\"></span>une 2027<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span>The b<span class=\"_ _6\"></span>ase c<span class=\"_ _6\"></span>ase s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>io ass<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>es:  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls2e ws6c\">th<span class=\"_ _6\"></span>e econ<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>c enviro<span class=\"_ _6\"></span>nme<span class=\"_ _6\"></span>nt rem<span class=\"_ _6\"></span>ains as is wi<span class=\"_ _6\"></span>th no im<span class=\"_ _6\"></span>provem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span> </span></span>or deterioration in<span class=\"_ _0\"></span> the macr<span class=\"_ _0\"></span>o en<span class=\"_ _0\"></span>vironment<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span>ecast; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">grow<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h in sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-ter<span class=\"_ _6\"></span>m lo<span class=\"_ _6\"></span>ans;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">grow<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h in Cas<span class=\"_ _6\"></span>hba<span class=\"_ _6\"></span>ck ca<span class=\"_ _6\"></span>rd alo<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>e Flexi<span class=\"_ _6\"></span>Pay lin<span class=\"_ _6\"></span>es of cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>; </span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff56 fc2 ls29\">the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p con<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>ues to f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h i<span class=\"_ _6\"></span>ts </span></span>ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>eet a<span class=\"_ _6\"></span>lon<span class=\"_ _6\"></span>g wi<span class=\"_ _6\"></span>th th<span class=\"_ _6\"></span>e sen<span class=\"_ _6\"></span>ior b<span class=\"_ _6\"></span>ank<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>acil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>ans are exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d to be fun<span class=\"_ _6\"></span>ded i<span class=\"_ _6\"></span>n the s<span class=\"_ _6\"></span>ame<span class=\"_ _6\"></span> </span></span>way as Flex<span class=\"_ _6\"></span>iPay un<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>l the sh<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>an ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are sol<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d an ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al inves<span class=\"_ _6\"></span>tor is on<span class=\"_ _6\"></span>bo<span class=\"_ _6\"></span>arde<span class=\"_ _6\"></span>d for fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re fun<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g. Thi<span class=\"_ _6\"></span>s swi<span class=\"_ _6\"></span>tch too<span class=\"_ _6\"></span>k pla<span class=\"_ _6\"></span>ce in Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>6;  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">cos<span class=\"_ _6\"></span>ts are con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed wi<span class=\"_ _6\"></span>th any grow<span class=\"_ _5\"></span>th dr<span class=\"_ _6\"></span>iven by mar<span class=\"_ _6\"></span>keti<span class=\"_ _6\"></span>ng,<span class=\"_ _6\"></span> </span></span>exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>ses (\u201c<span class=\"_ _6\"></span>ECL<span class=\"_ _b\"></span>\u201d) an<span class=\"_ _6\"></span>d cost of f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s. Rem<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span> cos<span class=\"_ _6\"></span>ts grow b<span class=\"_ _6\"></span>ut pre<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>ly t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh inf<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>nt sh<span class=\"_ _6\"></span>are bu<span class=\"_ _6\"></span>yb<span class=\"_ _6\"></span>ack p<span class=\"_ _6\"></span>rogr<span class=\"_ _6\"></span>amm<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s in </span></span>Ju<span class=\"_ _6\"></span>ne 2026 wi<span class=\"_ _6\"></span>th f<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r buy<span class=\"_ _6\"></span>bac<span class=\"_ _6\"></span>ks on<span class=\"_ _6\"></span>ly to s<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>sf<span class=\"_ _6\"></span>y EBT req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h no ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>ck or d<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nd assumed<span class=\"_ _0\"></span>; and <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls2f ws37\">cor<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion t<span class=\"_ _6\"></span>ax b<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>ins to be p<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>d in 2026 alon<span class=\"_ _6\"></span>gsi<span class=\"_ _6\"></span>de u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span> </span></span>bro<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd ta<span class=\"_ _6\"></span>x los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>repa<span class=\"_ _6\"></span>red a s<span class=\"_ _6\"></span>evere bu<span class=\"_ _6\"></span>t pl<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e dow<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io i<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2 ls3d ws47\">f<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ther macr<span class=\"_ _0\"></span>oeconomic v<span class=\"_ _0\"></span>olatilit<span class=\"_ _6\"></span>y continues thr<span class=\"_ _0\"></span>ough the </span></span>pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h elev<span class=\"_ _6\"></span>ated i<span class=\"_ _6\"></span>nf<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ates re<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns as b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rower de<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nd for l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns at hi<span class=\"_ _6\"></span>ghe<span class=\"_ _6\"></span>r in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes red<span class=\"_ _6\"></span>uce<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>r fun<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng ap<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>te red<span class=\"_ _6\"></span>uce<span class=\"_ _6\"></span>s; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a d<span class=\"_ _6\"></span>owns<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io is a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>d to T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>ns as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>er </span></span>management re<span class=\"_ _0\"></span>sulting in reduced<span class=\"_ _0\"></span> servicing fees<span class=\"_ _0\"></span>; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a d<span class=\"_ _6\"></span>owns<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ied t<span class=\"_ _6\"></span>o the o<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t lin<span class=\"_ _6\"></span>es </span></span>of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s in re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed ne<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ma<span class=\"_ _6\"></span>rgins w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h hi<span class=\"_ _6\"></span>ghe<span class=\"_ _6\"></span>r cos<span class=\"_ _6\"></span>t of fu<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>s; and <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l event o<span class=\"_ _6\"></span>ccu<span class=\"_ _6\"></span>rs, su<span class=\"_ _6\"></span>ch as i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s on cr<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cal </span></span>sup<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ier<span class=\"_ _6\"></span>s, bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>cks of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d lower c<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ate c<span class=\"_ _6\"></span>ash level<span class=\"_ _6\"></span>s resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g in lo<span class=\"_ _6\"></span>st reven<span class=\"_ _6\"></span>ues a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>lays.<span class=\"_ _2f2\"> </span>The s<span class=\"_ _6\"></span>evere bu<span class=\"_ _6\"></span>t pl<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le do<span class=\"_ _6\"></span>wnsi<span class=\"_ _6\"></span>de s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>o resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s in a ma<span class=\"_ _6\"></span>xim<span class=\"_ _6\"></span>um c<span class=\"_ _6\"></span>ash o<span class=\"_ _6\"></span>ut<span class=\"_ _5\"></span>flow o<span class=\"_ _6\"></span>f \u00a340 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h is th<span class=\"_ _6\"></span>e min<span class=\"_ _6\"></span>imu<span class=\"_ _6\"></span>m level o<span class=\"_ _6\"></span>f unre<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>ill ho<span class=\"_ _6\"></span>ld at a<span class=\"_ _6\"></span>ll t<span class=\"_ _6\"></span>ime<span class=\"_ _6\"></span>s (referre<span class=\"_ _6\"></span>d to as \u201cm<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>\u2019s st<span class=\"_ _6\"></span>ress b<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>\u201d).<span class=\"_ _2f2\"> </span>Ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt h<span class=\"_ _6\"></span>as review<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>ts l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ted re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lato<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts. I<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e dow<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>rio, t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk of c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t bre<span class=\"_ _6\"></span>ach is c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red re<span class=\"_ _6\"></span>mote. T<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>oes no<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>rent<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>ly on c<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ted or u<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing fa<span class=\"_ _6\"></span>cili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he exce<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on of a f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y for t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ose of or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t (and i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tia<span class=\"_ _6\"></span>lly s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-ter<span class=\"_ _6\"></span>m lo<span class=\"_ _6\"></span>ans), and d<span class=\"_ _6\"></span>oes n<span class=\"_ _6\"></span>ot h<span class=\"_ _6\"></span>ave undr<span class=\"_ _6\"></span>awn co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>ted bo<span class=\"_ _6\"></span>rrowi<span class=\"_ _6\"></span>ng fa<span class=\"_ _6\"></span>cili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies ava<span class=\"_ _6\"></span>ila<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e wid<span class=\"_ _6\"></span>er G<span class=\"_ _6\"></span>roup.<span class=\"_ _2f2\"> </span>The D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs have m<span class=\"_ _6\"></span>ade e<span class=\"_ _6\"></span>nq<span class=\"_ _6\"></span>uir<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f man<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d bu<span class=\"_ _6\"></span>dge<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low fore<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s for t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up an<span class=\"_ _6\"></span>d have, at th<span class=\"_ _6\"></span>e ti<span class=\"_ _6\"></span>me of ap<span class=\"_ _6\"></span>provi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts, a reas<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e expe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny and t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup have ad<span class=\"_ _6\"></span>eq<span class=\"_ _6\"></span>uate re<span class=\"_ _6\"></span>sou<span class=\"_ _6\"></span>rces to co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>e in op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al exis<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nce for t<span class=\"_ _6\"></span>he fore<span class=\"_ _6\"></span>see<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure, sp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ed fo<span class=\"_ _6\"></span>r the 15 m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs to 3<span class=\"_ _6\"></span>0 Ju<span class=\"_ _6\"></span>ne 2027<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span>Fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>l is con<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he S<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>gic R<span class=\"_ _6\"></span>epo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>n pag<span class=\"_ _6\"></span>es 69 an<span class=\"_ _6\"></span>d 70.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-364": {
   "value": "Basis of<span class=\"_ _0\"></span> preparation<span class=\"_ _2f2\"> </span>The f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al st<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts have been pre<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red in acco<span class=\"_ _6\"></span>rdan<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span> UK-ado<span class=\"_ _6\"></span>pte<span class=\"_ _6\"></span>d In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal Ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ing S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ard<span class=\"_ _6\"></span>s in co<span class=\"_ _6\"></span>nfor<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>rem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ani<span class=\"_ _6\"></span>es Act 20<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>6 and t<span class=\"_ _6\"></span>he Dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sure G<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce an<span class=\"_ _6\"></span>d T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ansp<span class=\"_ _6\"></span>are<span class=\"_ _6\"></span>ncy R<span class=\"_ _6\"></span>ule<span class=\"_ _6\"></span>s sou<span class=\"_ _6\"></span>rceb<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>k of t<span class=\"_ _6\"></span>he Un<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>d K<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>m\u2019s Fin<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al C<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t Au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ori<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts have b<span class=\"_ _6\"></span>een p<span class=\"_ _6\"></span>rep<span class=\"_ _6\"></span>ared o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al cos<span class=\"_ _6\"></span>t bas<span class=\"_ _6\"></span>is exce<span class=\"_ _6\"></span>pt for c<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at are ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ied a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s (\u201c<span class=\"_ _6\"></span>FV<span class=\"_ _6\"></span>T<span class=\"_ _6\"></span>PL<span class=\"_ _a\"></span>\u201d<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>The p<span class=\"_ _6\"></span>rep<span class=\"_ _6\"></span>ara<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>s the u<span class=\"_ _6\"></span>se of cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>es. I<span class=\"_ _6\"></span>t als<span class=\"_ _6\"></span>o requ<span class=\"_ _6\"></span>ires m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t to exercis<span class=\"_ _6\"></span>e it<span class=\"_ _6\"></span>s ju<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt in t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roce<span class=\"_ _6\"></span>ss of a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s accounting policies.<span class=\"_ _0\"></span> Changes in<span class=\"_ _0\"></span> assumptions<span class=\"_ _0\"></span> may<span class=\"_ _0\"></span> hav<span class=\"_ _0\"></span>e a<span class=\"_ _0\"></span> signific<span class=\"_ _6\"></span>ant impact<span class=\"_ _0\"></span> on the financial statements<span class=\"_ _0\"></span> in the y<span class=\"_ _0\"></span>ear the<span class=\"_ _0\"></span> ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>ed. Ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent be<span class=\"_ _6\"></span>lieve<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e unde<span class=\"_ _6\"></span>rly<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re app<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>te. The a<span class=\"_ _6\"></span>reas i<span class=\"_ _6\"></span>nvolvi<span class=\"_ _6\"></span>ng a hi<span class=\"_ _6\"></span>gh<span class=\"_ _6\"></span>er de<span class=\"_ _6\"></span>gre<span class=\"_ _6\"></span>e of jud<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t or co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>lex<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, or a<span class=\"_ _6\"></span>reas wh<span class=\"_ _6\"></span>ere assumptions and<span class=\"_ _0\"></span> estimates ar<span class=\"_ _0\"></span>e significant to<span class=\"_ _0\"></span> the financial st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>, are dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n no<span class=\"_ _6\"></span>te 2.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-419": {
   "value": "The f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al st<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts have been pre<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red in acco<span class=\"_ _6\"></span>rdan<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span> UK-ado<span class=\"_ _6\"></span>pte<span class=\"_ _6\"></span>d In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal Ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ing S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ard<span class=\"_ _6\"></span>s in co<span class=\"_ _6\"></span>nfor<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>rem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ani<span class=\"_ _6\"></span>es Act 20<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>6 and t<span class=\"_ _6\"></span>he Dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sure G<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce an<span class=\"_ _6\"></span>d T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ansp<span class=\"_ _6\"></span>are<span class=\"_ _6\"></span>ncy R<span class=\"_ _6\"></span>ule<span class=\"_ _6\"></span>s sou<span class=\"_ _6\"></span>rceb<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>k of t<span class=\"_ _6\"></span>he Un<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>d K<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>m\u2019s Fin<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al C<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t Au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ori<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. ",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-365": {
   "value": "Si<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ant c<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g year<span class=\"_ _2f2\"> </span>The f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>nd p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p were af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng even<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he year e<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025:<span class=\"_ _2f2\"> </span>i) Expan<span class=\"_ _0\"></span>sion int<span class=\"_ _0\"></span>o sh<span class=\"_ _0\"></span>orter<span class=\"_ _0\"></span>-t<span class=\"_ _0\"></span>erm loan<span class=\"_ _0\"></span>s product In A<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>il 2025, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p exp<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>nto a s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>, of<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g fi<span class=\"_ _6\"></span>xed ra<span class=\"_ _6\"></span>te in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>ns be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 6 an<span class=\"_ _6\"></span>d 2<span class=\"_ _0\"></span>4-m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>h ter<span class=\"_ _6\"></span>ms. Loa<span class=\"_ _6\"></span>ns wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h ter<span class=\"_ _6\"></span>ms over 12 mo<span class=\"_ _6\"></span>nth<span class=\"_ _6\"></span>s are sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to a<span class=\"_ _6\"></span>n or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n fee in l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>e wi<span class=\"_ _6\"></span>th ou<span class=\"_ _6\"></span>r ot<span class=\"_ _6\"></span>her T<span class=\"_ _0\"></span>er<span class=\"_ _6\"></span>m Loan pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e wi<span class=\"_ _6\"></span>th te<span class=\"_ _6\"></span>rms of 12 m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs o<span class=\"_ _6\"></span>r les<span class=\"_ _6\"></span>s are no<span class=\"_ _6\"></span>t sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion fe<span class=\"_ _6\"></span>es. Th<span class=\"_ _6\"></span>e sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s gen<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>lly cha<span class=\"_ _6\"></span>rge hig<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>ra<span class=\"_ _6\"></span>tes of intere<span class=\"_ _6\"></span>st th<span class=\"_ _6\"></span>an FC\u2019s equ<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nt lon<span class=\"_ _6\"></span>ger-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>ans, bu<span class=\"_ _6\"></span>t provi<span class=\"_ _6\"></span>de more fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y wi<span class=\"_ _6\"></span>th pe<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>y-f<span class=\"_ _6\"></span>ree pre<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d in so<span class=\"_ _6\"></span>me c<span class=\"_ _6\"></span>ases n<span class=\"_ _6\"></span>o or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n fees<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Thro<span class=\"_ _6\"></span>ugh 2025 s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s were f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e sa<span class=\"_ _6\"></span>me leve<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e use<span class=\"_ _6\"></span>d to fu<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he Flex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay and Cas<span class=\"_ _6\"></span>hb<span class=\"_ _6\"></span>ack c<span class=\"_ _6\"></span>ard p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>, Ka<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>oa 2 L<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ted (\u201c<span class=\"_ _6\"></span>K<span class=\"_ _6\"></span>2\u201d<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>. The i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st an<span class=\"_ _6\"></span>d fees re<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he se<span class=\"_ _6\"></span>nio<span class=\"_ _6\"></span>r bo<span class=\"_ _6\"></span>rrowi<span class=\"_ _6\"></span>ng fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y u<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d to fun<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>ans is p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d und<span class=\"_ _6\"></span>er \u201cco<span class=\"_ _6\"></span>st of f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ds\u201d i<span class=\"_ _6\"></span>n the consolidated<span class=\"_ _0\"></span> statement of<span class=\"_ _0\"></span> compr<span class=\"_ _0\"></span>ehensiv<span class=\"_ _0\"></span>e income<span class=\"_ _0\"></span>. The i<span class=\"_ _6\"></span>nten<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter-ter<span class=\"_ _6\"></span>m loa<span class=\"_ _6\"></span>n prod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t is to ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly bu<span class=\"_ _6\"></span>ild u<span class=\"_ _6\"></span>p the p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t on ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t to an app<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate leve<span class=\"_ _6\"></span>l of sc<span class=\"_ _6\"></span>ale w<span class=\"_ _6\"></span>hil<span class=\"_ _6\"></span>st in an R&amp;<span class=\"_ _6\"></span>D ph<span class=\"_ _6\"></span>ase. Th<span class=\"_ _6\"></span>is ena<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s us to ite<span class=\"_ _6\"></span>rate a<span class=\"_ _6\"></span>nd evolve t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>, befo<span class=\"_ _6\"></span>re sel<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns to a thi<span class=\"_ _6\"></span>rd pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y inves<span class=\"_ _6\"></span>tor an<span class=\"_ _6\"></span>d or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g new lo<span class=\"_ _6\"></span>ans u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er a pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ateg<span class=\"_ _6\"></span>y go<span class=\"_ _6\"></span>ing fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward. A<span class=\"_ _6\"></span>s we inte<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed to se<span class=\"_ _6\"></span>ll t<span class=\"_ _6\"></span>hese l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns th<span class=\"_ _6\"></span>ey were me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd lo<span class=\"_ _6\"></span>ss an<span class=\"_ _6\"></span>d pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ted un<span class=\"_ _6\"></span>der \u201c<span class=\"_ _6\"></span>S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s\u201d on t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t. I<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me an<span class=\"_ _6\"></span>d fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue g<span class=\"_ _6\"></span>ains o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>ses fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ow the ex<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>cy an<span class=\"_ _6\"></span>d prese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss a<span class=\"_ _6\"></span>nd a<span class=\"_ _6\"></span>re prese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Lo<span class=\"_ _6\"></span>ans se<span class=\"_ _6\"></span>gme<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s in no<span class=\"_ _6\"></span>te 5. The s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-ter<span class=\"_ _6\"></span>m lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d by the G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>ere so<span class=\"_ _6\"></span>ld in Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y 2026 subse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent t<span class=\"_ _6\"></span>o the b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et d<span class=\"_ _6\"></span>ate. D<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>s are in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in n<span class=\"_ _6\"></span>ote 28.<span class=\"_ _2f2\"> </span>ii) Shar<span class=\"_ _0\"></span>e buybac<span class=\"_ _0\"></span>k programme<span class=\"_ _0\"></span> extension<span class=\"_ _0\"></span> and<span class=\"_ _0\"></span> purchase of own s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span> The s<span class=\"_ _6\"></span>hare bu<span class=\"_ _6\"></span>yb<span class=\"_ _6\"></span>ack pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>mm<span class=\"_ _6\"></span>e whic<span class=\"_ _6\"></span>h was lau<span class=\"_ _6\"></span>nch<span class=\"_ _6\"></span>ed in 2024 was f<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in May 2025 to bu<span class=\"_ _6\"></span>y and c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>el up to a fu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er \u00a325 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s in ord<span class=\"_ _6\"></span>er to ret<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>n val<span class=\"_ _6\"></span>ue to sh<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>s. The n<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>l cos<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>res c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed red<span class=\"_ _6\"></span>uces t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span>\u2019s sha<span class=\"_ _6\"></span>re cap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h an e<span class=\"_ _6\"></span>qua<span class=\"_ _6\"></span>l inc<span class=\"_ _6\"></span>reas<span class=\"_ _6\"></span>e in t<span class=\"_ _6\"></span>he ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l rede<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve. The fu<span class=\"_ _6\"></span>ll cos<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e buyb<span class=\"_ _6\"></span>ack<span class=\"_ _6\"></span> in<span class=\"_ _6\"></span>clus<span class=\"_ _6\"></span>ive of st<span class=\"_ _6\"></span>am<span class=\"_ _6\"></span>p du<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y and bro<span class=\"_ _6\"></span>ker fees is d<span class=\"_ _6\"></span>ebi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d to reta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d ear<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>. In the yea<span class=\"_ _6\"></span>r to 31 Dec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, 23.0 milli<span class=\"_ _6\"></span>on sh<span class=\"_ _6\"></span>ares<span class=\"_ _6\"></span> (202<span class=\"_ _0\"></span>4: 33.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) were purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>d for con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of \u00a327<span class=\"_ _b\"></span>.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a33<span class=\"_ _6\"></span>3.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) incl<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>ve of fee<span class=\"_ _6\"></span>s and exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r the p<span class=\"_ _6\"></span>rogr<span class=\"_ _6\"></span>amm<span class=\"_ _6\"></span>e. Add<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, the<span class=\"_ _6\"></span> Gro<span class=\"_ _6\"></span>up bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k 2.3 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n sha<span class=\"_ _6\"></span>res (202<span class=\"_ _0\"></span>4: nil) whi<span class=\"_ _6\"></span>ch were no<span class=\"_ _6\"></span>t can<span class=\"_ _6\"></span>cel<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d and we<span class=\"_ _6\"></span>re hel<span class=\"_ _6\"></span>d in tre<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y for cons<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of \u00a33.0 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (2024: \u00a3nil).<span class=\"_ _2f2\"> </span>Add<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly<span class=\"_ _0\"></span>, the Grou<span class=\"_ _6\"></span>p purch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>7<span class=\"_ _b\"></span>.7 <span class=\"_ _0\"></span>mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on share<span class=\"_ _6\"></span>s (2<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>4: <span class=\"_ _0\"></span>nil) for<span class=\"_ _6\"></span> \u00a38.6 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (2<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>4: \u00a3nil) dur<span class=\"_ _6\"></span>ing th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>year end<span class=\"_ _6\"></span>ed 31 Dec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 202<span class=\"_ _0\"></span>5,<span class=\"_ _6\"></span> whi<span class=\"_ _6\"></span>ch were no<span class=\"_ _6\"></span>t can<span class=\"_ _6\"></span>cel<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d and are he<span class=\"_ _6\"></span>ld for t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ose of sa<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he exerci<span class=\"_ _6\"></span>se of e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyee sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>i<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>) Re<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>g<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>o<span class=\"_ _6\"></span>f <span class=\"_ _0\"></span>d<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>fe<span class=\"_ _5\"></span>rr<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>a<span class=\"_ _6\"></span>s<span class=\"_ _6\"></span>se<span class=\"_ _5\"></span>t <span class=\"_ _0\"></span>(n<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>8 <span class=\"_ _0\"></span>a<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span>d 9)<span class=\"_ _2f2\"> </span>De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s sho<span class=\"_ _6\"></span>uld b<span class=\"_ _6\"></span>e rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d for al<span class=\"_ _6\"></span>l de<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>es and t<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>x los<span class=\"_ _6\"></span>ses to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>hat i<span class=\"_ _6\"></span>t is pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>xab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>ll be av<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ag<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>st wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>e or t<span class=\"_ _6\"></span>ax lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>n be u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed. A defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et of \u00a326.1 mill<span class=\"_ _6\"></span>ion h<span class=\"_ _6\"></span>as b<span class=\"_ _6\"></span>een re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>rs<span class=\"_ _6\"></span>t tim<span class=\"_ _6\"></span>e rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e UK bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>ch is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>dere<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span>to have ac<span class=\"_ _6\"></span>hieve<span class=\"_ _6\"></span>d sus<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, evi<span class=\"_ _6\"></span>den<span class=\"_ _6\"></span>ced by t<span class=\"_ _6\"></span>wo con<span class=\"_ _6\"></span>sec<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ive pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e hal<span class=\"_ _6\"></span>f-year p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ds an<span class=\"_ _6\"></span>d an un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>rly<span class=\"_ _6\"></span>ing ta<span class=\"_ _6\"></span>xab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y po<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on in 2025 as we<span class=\"_ _6\"></span>ll as i<span class=\"_ _6\"></span>ncre<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y over t<span class=\"_ _6\"></span>he g<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>ear fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re. The re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t resul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s in a cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t to th<span class=\"_ _6\"></span>e in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x lin<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t of com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e of \u00a326.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>is resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s in a hi<span class=\"_ _6\"></span>gh<span class=\"_ _6\"></span>er pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t for t<span class=\"_ _6\"></span>he year a<span class=\"_ _6\"></span>nd ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s per s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re resul<span class=\"_ _6\"></span>t for t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>red to th<span class=\"_ _6\"></span>e resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s had t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t not b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d. Fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t on ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s per s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re can be fo<span class=\"_ _6\"></span>und i<span class=\"_ _6\"></span>n not<span class=\"_ _6\"></span>e 9.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "fundingcircle:DisclosureOfSignificantChangesInTheCurrentReportingYear",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-366": {
   "value": "Changes<span class=\"_ _0\"></span> in ac<span class=\"_ _0\"></span>counting<span class=\"_ _0\"></span> policy<span class=\"_ _0\"></span> and di<span class=\"_ _0\"></span>sclosur<span class=\"_ _0\"></span>es<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has ad<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing n<span class=\"_ _6\"></span>ew an<span class=\"_ _6\"></span>d ame<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed IFRS<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d inte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons f<span class=\"_ _6\"></span>rom 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025. <table class=\"s w177 ha1\" id=\"_9144e8b9-871b-4224-8f00-03aff4633049\"><tr><td></td><td></td><td class=\"t m0 x369 h28 y2862 ff55 fs19 fc2 sc0 lsdb ws103\">Applicable f<span class=\"_ _0\"></span>or<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x36a h28 y2863 ff56 fs19 fc2 sc0 lscb wsef\">financial years</td></tr><tr><td></td><td></td><td class=\"t m0 x36b h28 y2864 ff55 fs19 fc2 sc0 lsc9 wsed\"> beginning<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2865 w178 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">Standard/interpretation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x36c y2865 w179 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">Content<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x36d h28 y2866 ff56 fs19 fc2 sc0 ls108 ws12f\">on/a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x36e h5 y2867 ff55 fs3 fc2 sc0 ls12 ws16\">Am<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts to I<span class=\"_ _6\"></span>AS 21 \u2013 L<span class=\"_ _6\"></span>ack o<span class=\"_ _6\"></span>f </td><td class=\"t m0 x36f h5 y2867 ff56 fs3 fc2 sc0 ls12 ws16\">Fore<span class=\"_ _6\"></span>ign </td><td class=\"t m0 x370 h5 y2867 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2868 ff55 fs3 fc2 sc0 ls3d ws47\">Exchangeabilit<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x36f h5 y2868 ff56 fs3 fc2 sc0 ls12 ws16\">excha<span class=\"_ _6\"></span>nge </td><td class=\"t m0 x371 h5 y2868 ff55 fs3 fc2 sc0 ls7 ws8\">2025<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x36f h5 y2869 ff56 fs3 fc2 sc0 ls3d ws47\">rates<span class=\"_ _2f2\"> </span></td><td></td></tr></table>The a<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>dm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d inte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons l<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ted ab<span class=\"_ _6\"></span>ove did n<span class=\"_ _6\"></span>ot ma<span class=\"_ _6\"></span>teri<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>nt yea<span class=\"_ _6\"></span>r and a<span class=\"_ _6\"></span>re not ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed to materially affect future y<span class=\"_ _0\"></span>ears.<span class=\"_ _2f2\"> </span>Ce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain n<span class=\"_ _6\"></span>ew acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng s<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>rds an<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>erp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s have be<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>ubl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re no<span class=\"_ _6\"></span>t man<span class=\"_ _6\"></span>dato<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y for 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cemb<span class=\"_ _6\"></span>er 2025 rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g year<span class=\"_ _6\"></span>s and h<span class=\"_ _6\"></span>ave not b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n ear<span class=\"_ _6\"></span>ly ad<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>ted by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup as fol<span class=\"_ _6\"></span>lows:<span class=\"_ _2f2\"> </span><table class=\"s w177 ha2\" id=\"_99b441ec-bfa4-44ba-ab78-f8a183a6c397\"><tr><td></td><td></td><td class=\"t m0 x369 h28 y286a ff55 fs19 fc2 sc0 lsdb ws103\">Applicable f<span class=\"_ _0\"></span>or<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x36a h28 y286b ff56 fs19 fc2 sc0 lscb wsef\">financial years</td></tr><tr><td></td><td></td><td class=\"t m0 x36b h28 y286c ff55 fs19 fc2 sc0 lsc9 wsed\"> beginning<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y286e w178 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Standard/interpretation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x36c y286e w179 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Content<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x36d h28 y286f ff56 fs19 fc2 sc0 ls108 ws12f\">on/a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x36e h5 y2870 ff55 fs3 fc2 sc0 ls12 ws16\">Am<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt to IFR<span class=\"_ _6\"></span>S 9 and I<span class=\"_ _6\"></span>FRS 7 </td><td class=\"t m0 x36f h5 y2870 ff56 fs3 fc2 sc0 ls81 wsad\">Financi<span class=\"_ _6\"></span>al </td><td class=\"t m0 x370 h5 y2870 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2871 ff55 fs3 fc2 sc0 ls3d ws47\">\u2013 Classification and Measur<span class=\"_ _0\"></span>ement </td><td class=\"t m0 x36f h5 y2871 ff56 fs3 fc2 sc0 ls3d ws47\">instruments<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x371 h5 y2871 ff56 fs3 fc2 sc0 ls29 ws87\">2026<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x36e h5 y2872 ff55 fs3 fc2 sc0 ls3d ws47\">of Financ<span class=\"_ _0\"></span>ial Instruments<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x36e h5 y2873 ff55 fs3 fc2 sc0 ls12 ws16\">IFRS 1<span class=\"_ _6\"></span>8 Pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and </td><td class=\"t m0 x36f h5 y2873 ff56 fs3 fc2 sc0 ls81 wsad\">Financi<span class=\"_ _6\"></span>al </td><td class=\"t m0 x370 h5 y2873 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2874 ff56 fs3 fc2 sc0 ls3d ws47\">Disclosur<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span> Financial Statements<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x36f h5 y2874 ff56 fs3 fc2 sc0 lsd1 wsf5\">statements </td><td class=\"t m0 x371 h5 y2874 ff55 fs3 fc2 sc0 ls7 ws8\">2027<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x36f h5 y2875 ff56 fs3 fc2 sc0 ls6c wsf9\">disclosures<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x36e h5 y2876 ff55 fs3 fc2 sc0 ls12 ws16\">IFRS 1<span class=\"_ _6\"></span>9 Su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t </td><td class=\"t m0 x36f h5 y2876 ff56 fs3 fc2 sc0 ls81 wsad\">Financi<span class=\"_ _6\"></span>al </td><td class=\"t m0 x370 h5 y2876 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2877 ff55 fs3 fc2 sc0 ls3d ws47\">Public A<span class=\"_ _0\"></span>ccountabilit<span class=\"_ _6\"></span>y: Disc<span class=\"_ _0\"></span>losures<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x36f h5 y2877 ff56 fs3 fc2 sc0 lsd1 wsf5\">statements </td><td class=\"t m0 x371 h5 y2877 ff55 fs3 fc2 sc0 ls7 ws8\">2027<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x36f h5 y2878 ff56 fs3 fc2 sc0 ls6c wsf9\">disclosures<span class=\"_ _2f2\"> </span></td><td></td></tr></table>Wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of I<span class=\"_ _6\"></span>FRS 18, t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>se s<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>rds are n<span class=\"_ _6\"></span>ot exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted to h<span class=\"_ _6\"></span>ave a mate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>al im<span class=\"_ _6\"></span>pac<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cur<span class=\"_ _6\"></span>rent or fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g years or o<span class=\"_ _6\"></span>n forese<span class=\"_ _6\"></span>eab<span class=\"_ _6\"></span>le fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons.<span class=\"_ _2f2\"> </span>IFRS 1<span class=\"_ _6\"></span>8 was i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n Apr<span class=\"_ _6\"></span>il 2024 and is ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>ive fo<span class=\"_ _6\"></span>r per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ds be<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g on o<span class=\"_ _6\"></span>r af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r 1 Jan<span class=\"_ _6\"></span>uar<span class=\"_ _6\"></span>y 2027<span class=\"_ _b\"></span>. Ea<span class=\"_ _6\"></span>rly a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>s pe<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ed an<span class=\"_ _6\"></span>d com<span class=\"_ _6\"></span>par<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ives wi<span class=\"_ _6\"></span>ll re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>re rest<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>. The st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>dar<span class=\"_ _6\"></span>d will rep<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ce IA<span class=\"_ _6\"></span>S 1 Presen<span class=\"_ _6\"></span>tat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of Fina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s. It w<span class=\"_ _6\"></span>ill n<span class=\"_ _6\"></span>ot ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e how i<span class=\"_ _6\"></span>tems a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>nd me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>red bu<span class=\"_ _6\"></span>t wil<span class=\"_ _6\"></span>l focu<span class=\"_ _6\"></span>s on th<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>ome s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>nd rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce, sp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, clas<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g inc<span class=\"_ _6\"></span>ome a<span class=\"_ _6\"></span>nd exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>to thre<span class=\"_ _6\"></span>e new def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed c<span class=\"_ _6\"></span>ateg<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ies \u2013 \u201cop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng\u201d, \u201cinves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng\u201d an<span class=\"_ _6\"></span>d \u201c<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>ng\u201d, and t<span class=\"_ _6\"></span>wo new sub<span class=\"_ _6\"></span>tot<span class=\"_ _6\"></span>als \u2013 \u201cop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>\u201d an<span class=\"_ _6\"></span>d \u201cprof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r loss b<span class=\"_ _6\"></span>efore f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>ng an<span class=\"_ _6\"></span>d inco<span class=\"_ _6\"></span>me ta<span class=\"_ _6\"></span>x\u201d, intro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sures o<span class=\"_ _6\"></span>f man<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt-d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>res (\u201c<span class=\"_ _6\"></span>MPMs<span class=\"_ _6\"></span>\u201d) an<span class=\"_ _6\"></span>d enh<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ing ge<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>ral re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s on agg<span class=\"_ _6\"></span>rega<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d dis<span class=\"_ _6\"></span>agg<span class=\"_ _6\"></span>reg<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>. The im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ard is i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e pro<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>s of bei<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>sed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-420": {
   "value": "Changes<span class=\"_ _0\"></span> in ac<span class=\"_ _0\"></span>counting<span class=\"_ _0\"></span> policy<span class=\"_ _0\"></span> and di<span class=\"_ _0\"></span>sclosur<span class=\"_ _0\"></span>es<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has ad<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing n<span class=\"_ _6\"></span>ew an<span class=\"_ _6\"></span>d ame<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed IFRS<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d inte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons f<span class=\"_ _6\"></span>rom 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025. <table class=\"s w177 ha1\" id=\"_9144e8b9-871b-4224-8f00-03aff4633049\"><tr><td></td><td></td><td class=\"t m0 x369 h28 y2862 ff55 fs19 fc2 sc0 lsdb ws103\">Applicable f<span class=\"_ _0\"></span>or<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x36a h28 y2863 ff56 fs19 fc2 sc0 lscb wsef\">financial years</td></tr><tr><td></td><td></td><td class=\"t m0 x36b h28 y2864 ff55 fs19 fc2 sc0 lsc9 wsed\"> beginning<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2865 w178 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">Standard/interpretation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x36c y2865 w179 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">Content<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x36d h28 y2866 ff56 fs19 fc2 sc0 ls108 ws12f\">on/a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x36e h5 y2867 ff55 fs3 fc2 sc0 ls12 ws16\">Am<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts to I<span class=\"_ _6\"></span>AS 21 \u2013 L<span class=\"_ _6\"></span>ack o<span class=\"_ _6\"></span>f </td><td class=\"t m0 x36f h5 y2867 ff56 fs3 fc2 sc0 ls12 ws16\">Fore<span class=\"_ _6\"></span>ign </td><td class=\"t m0 x370 h5 y2867 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2868 ff55 fs3 fc2 sc0 ls3d ws47\">Exchangeabilit<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x36f h5 y2868 ff56 fs3 fc2 sc0 ls12 ws16\">excha<span class=\"_ _6\"></span>nge </td><td class=\"t m0 x371 h5 y2868 ff55 fs3 fc2 sc0 ls7 ws8\">2025<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x36f h5 y2869 ff56 fs3 fc2 sc0 ls3d ws47\">rates<span class=\"_ _2f2\"> </span></td><td></td></tr></table>The a<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>dm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d inte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons l<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ted ab<span class=\"_ _6\"></span>ove did n<span class=\"_ _6\"></span>ot ma<span class=\"_ _6\"></span>teri<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>nt yea<span class=\"_ _6\"></span>r and a<span class=\"_ _6\"></span>re not ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed to materially affect future y<span class=\"_ _0\"></span>ears.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfInitialApplicationOfStandardsOrInterpretations",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-421": {
   "value": "Ce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain n<span class=\"_ _6\"></span>ew acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng s<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>rds an<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>erp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s have be<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>ubl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re no<span class=\"_ _6\"></span>t man<span class=\"_ _6\"></span>dato<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y for 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cemb<span class=\"_ _6\"></span>er 2025 rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g year<span class=\"_ _6\"></span>s and h<span class=\"_ _6\"></span>ave not b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n ear<span class=\"_ _6\"></span>ly ad<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>ted by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup as fol<span class=\"_ _6\"></span>lows:<span class=\"_ _2f2\"> </span><table class=\"s w177 ha2\" id=\"_99b441ec-bfa4-44ba-ab78-f8a183a6c397\"><tr><td></td><td></td><td class=\"t m0 x369 h28 y286a ff55 fs19 fc2 sc0 lsdb ws103\">Applicable f<span class=\"_ _0\"></span>or<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x36a h28 y286b ff56 fs19 fc2 sc0 lscb wsef\">financial years</td></tr><tr><td></td><td></td><td class=\"t m0 x36b h28 y286c ff55 fs19 fc2 sc0 lsc9 wsed\"> beginning<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y286e w178 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Standard/interpretation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x36c y286e w179 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Content<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x36d h28 y286f ff56 fs19 fc2 sc0 ls108 ws12f\">on/a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x36e h5 y2870 ff55 fs3 fc2 sc0 ls12 ws16\">Am<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt to IFR<span class=\"_ _6\"></span>S 9 and I<span class=\"_ _6\"></span>FRS 7 </td><td class=\"t m0 x36f h5 y2870 ff56 fs3 fc2 sc0 ls81 wsad\">Financi<span class=\"_ _6\"></span>al </td><td class=\"t m0 x370 h5 y2870 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2871 ff55 fs3 fc2 sc0 ls3d ws47\">\u2013 Classification and Measur<span class=\"_ _0\"></span>ement </td><td class=\"t m0 x36f h5 y2871 ff56 fs3 fc2 sc0 ls3d ws47\">instruments<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x371 h5 y2871 ff56 fs3 fc2 sc0 ls29 ws87\">2026<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x36e h5 y2872 ff55 fs3 fc2 sc0 ls3d ws47\">of Financ<span class=\"_ _0\"></span>ial Instruments<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x36e h5 y2873 ff55 fs3 fc2 sc0 ls12 ws16\">IFRS 1<span class=\"_ _6\"></span>8 Pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and </td><td class=\"t m0 x36f h5 y2873 ff56 fs3 fc2 sc0 ls81 wsad\">Financi<span class=\"_ _6\"></span>al </td><td class=\"t m0 x370 h5 y2873 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2874 ff56 fs3 fc2 sc0 ls3d ws47\">Disclosur<span class=\"_ _0\"></span>e in<span class=\"_ _0\"></span> Financial Statements<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x36f h5 y2874 ff56 fs3 fc2 sc0 lsd1 wsf5\">statements </td><td class=\"t m0 x371 h5 y2874 ff55 fs3 fc2 sc0 ls7 ws8\">2027<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x36f h5 y2875 ff56 fs3 fc2 sc0 ls6c wsf9\">disclosures<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x36e h5 y2876 ff55 fs3 fc2 sc0 ls12 ws16\">IFRS 1<span class=\"_ _6\"></span>9 Su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t </td><td class=\"t m0 x36f h5 y2876 ff56 fs3 fc2 sc0 ls81 wsad\">Financi<span class=\"_ _6\"></span>al </td><td class=\"t m0 x370 h5 y2876 ff55 fs3 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </td></tr><tr><td class=\"t m0 x36e h5 y2877 ff55 fs3 fc2 sc0 ls3d ws47\">Public A<span class=\"_ _0\"></span>ccountabilit<span class=\"_ _6\"></span>y: Disc<span class=\"_ _0\"></span>losures<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x36f h5 y2877 ff56 fs3 fc2 sc0 lsd1 wsf5\">statements </td><td class=\"t m0 x371 h5 y2877 ff55 fs3 fc2 sc0 ls7 ws8\">2027<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x36f h5 y2878 ff56 fs3 fc2 sc0 ls6c wsf9\">disclosures<span class=\"_ _2f2\"> </span></td><td></td></tr></table>Wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of I<span class=\"_ _6\"></span>FRS 18, t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>se s<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>rds are n<span class=\"_ _6\"></span>ot exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted to h<span class=\"_ _6\"></span>ave a mate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>al im<span class=\"_ _6\"></span>pac<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cur<span class=\"_ _6\"></span>rent or fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g years or o<span class=\"_ _6\"></span>n forese<span class=\"_ _6\"></span>eab<span class=\"_ _6\"></span>le fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons.<span class=\"_ _2f2\"> </span>IFRS 1<span class=\"_ _6\"></span>8 was i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n Apr<span class=\"_ _6\"></span>il 2024 and is ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>ive fo<span class=\"_ _6\"></span>r per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ds be<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g on o<span class=\"_ _6\"></span>r af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r 1 Jan<span class=\"_ _6\"></span>uar<span class=\"_ _6\"></span>y 2027<span class=\"_ _b\"></span>. Ea<span class=\"_ _6\"></span>rly a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>s pe<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ed an<span class=\"_ _6\"></span>d com<span class=\"_ _6\"></span>par<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ives wi<span class=\"_ _6\"></span>ll re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>re rest<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>. The st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>dar<span class=\"_ _6\"></span>d will rep<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ce IA<span class=\"_ _6\"></span>S 1 Presen<span class=\"_ _6\"></span>tat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of Fina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s. It w<span class=\"_ _6\"></span>ill n<span class=\"_ _6\"></span>ot ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e how i<span class=\"_ _6\"></span>tems a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>nd me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>red bu<span class=\"_ _6\"></span>t wil<span class=\"_ _6\"></span>l focu<span class=\"_ _6\"></span>s on th<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>ome s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>nd rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce, sp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, clas<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g inc<span class=\"_ _6\"></span>ome a<span class=\"_ _6\"></span>nd exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>to thre<span class=\"_ _6\"></span>e new def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed c<span class=\"_ _6\"></span>ateg<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ies \u2013 \u201cop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng\u201d, \u201cinves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng\u201d an<span class=\"_ _6\"></span>d \u201c<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>ng\u201d, and t<span class=\"_ _6\"></span>wo new sub<span class=\"_ _6\"></span>tot<span class=\"_ _6\"></span>als \u2013 \u201cop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>\u201d an<span class=\"_ _6\"></span>d \u201cprof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r loss b<span class=\"_ _6\"></span>efore f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>ng an<span class=\"_ _6\"></span>d inco<span class=\"_ _6\"></span>me ta<span class=\"_ _6\"></span>x\u201d, intro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sures o<span class=\"_ _6\"></span>f man<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt-d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>res (\u201c<span class=\"_ _6\"></span>MPMs<span class=\"_ _6\"></span>\u201d) an<span class=\"_ _6\"></span>d enh<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ing ge<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>ral re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s on agg<span class=\"_ _6\"></span>rega<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d dis<span class=\"_ _6\"></span>agg<span class=\"_ _6\"></span>reg<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>. The im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ard is i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e pro<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>s of bei<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>sed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-367": {
   "value": "The<span class=\"_ _6\"></span>re were no n<span class=\"_ _6\"></span>ew or a<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng po<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>cies re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted to th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l year e<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationsOrChangesInPresentationExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-368": {
   "value": "Basis of consolidation<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ha<span class=\"_ _6\"></span>s con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l over an inves<span class=\"_ _6\"></span>tee<span class=\"_ _6\"></span>, it is c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed as a su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The Gro<span class=\"_ _6\"></span>up co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rols a<span class=\"_ _6\"></span>n inves<span class=\"_ _6\"></span>tee i<span class=\"_ _6\"></span>f all t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng el<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s are pre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>t: p<span class=\"_ _6\"></span>ower over t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e, exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to var<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>le re<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>ns fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tee, a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tor to u<span class=\"_ _6\"></span>se i<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>ower to af<span class=\"_ _5\"></span>fect t<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>se var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e retu<span class=\"_ _6\"></span>rns<span class=\"_ _6\"></span>. Co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol is re<span class=\"_ _6\"></span>asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d wh<span class=\"_ _6\"></span>eneve<span class=\"_ _6\"></span>r fac<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd ci<span class=\"_ _6\"></span>rcums<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s in<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t the<span class=\"_ _6\"></span>re may b<span class=\"_ _6\"></span>e a chan<span class=\"_ _6\"></span>ge i<span class=\"_ _6\"></span>n any of t<span class=\"_ _6\"></span>hese e<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts of co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Str<span class=\"_ _6\"></span>uctured entities are<span class=\"_ _0\"></span> entities that are<span class=\"_ _0\"></span> designed so<span class=\"_ _0\"></span> that their ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s are no<span class=\"_ _6\"></span>t gover<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d by vot<span class=\"_ _6\"></span>ing r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. In as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as powe<span class=\"_ _6\"></span>r over su<span class=\"_ _6\"></span>ch en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ers f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tors s<span class=\"_ _6\"></span>uch a<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e pur<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>e and d<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>ign of t<span class=\"_ _6\"></span>he en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, its p<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>evan<span class=\"_ _6\"></span>t ac<span class=\"_ _6\"></span>tiv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, the n<span class=\"_ _6\"></span>atu<span class=\"_ _6\"></span>re of t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, and t<span class=\"_ _6\"></span>he size of i<span class=\"_ _6\"></span>ts exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to th<span class=\"_ _6\"></span>e var<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y of re<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>rns o<span class=\"_ _6\"></span>f the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y.<span class=\"_ _2f2\"> </span>The c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s pres<span class=\"_ _6\"></span>ent t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts of th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny and i<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ies as i<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>hey for<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>d a sin<span class=\"_ _6\"></span>gl<span class=\"_ _6\"></span>e en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Inte<span class=\"_ _6\"></span>rcom<span class=\"_ _6\"></span>pany t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n Group c<span class=\"_ _0\"></span>ompanies ar<span class=\"_ _0\"></span>e there<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>e eliminat<span class=\"_ _0\"></span>ed in full.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e acq<span class=\"_ _6\"></span>uis<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d to acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t for bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess co<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons. I<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e acq<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>e\u2019s id<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>nt li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es are in<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>t the<span class=\"_ _6\"></span>ir f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>es at t<span class=\"_ _6\"></span>he acq<span class=\"_ _6\"></span>uis<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n da<span class=\"_ _6\"></span>te. Acqu<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>-rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss as i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. The re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f acq<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons are in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>rehe<span class=\"_ _6\"></span>nsive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e from t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate o<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l is ob<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d. Th<span class=\"_ _6\"></span>ey are de<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate on w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l ceas<span class=\"_ _6\"></span>es.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-422": {
   "value": "Wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ha<span class=\"_ _6\"></span>s con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l over an inves<span class=\"_ _6\"></span>tee<span class=\"_ _6\"></span>, it is c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed as a su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The Gro<span class=\"_ _6\"></span>up co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rols a<span class=\"_ _6\"></span>n inves<span class=\"_ _6\"></span>tee i<span class=\"_ _6\"></span>f all t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng el<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s are pre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>t: p<span class=\"_ _6\"></span>ower over t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e, exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to var<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>le re<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>ns fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tee, a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tor to u<span class=\"_ _6\"></span>se i<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>ower to af<span class=\"_ _5\"></span>fect t<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>se var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e retu<span class=\"_ _6\"></span>rns<span class=\"_ _6\"></span>. Co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol is re<span class=\"_ _6\"></span>asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d wh<span class=\"_ _6\"></span>eneve<span class=\"_ _6\"></span>r fac<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd ci<span class=\"_ _6\"></span>rcums<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s in<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t the<span class=\"_ _6\"></span>re may b<span class=\"_ _6\"></span>e a chan<span class=\"_ _6\"></span>ge i<span class=\"_ _6\"></span>n any of t<span class=\"_ _6\"></span>hese e<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts of co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Str<span class=\"_ _6\"></span>uctured entities are<span class=\"_ _0\"></span> entities that are<span class=\"_ _0\"></span> designed so<span class=\"_ _0\"></span> that their ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s are no<span class=\"_ _6\"></span>t gover<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d by vot<span class=\"_ _6\"></span>ing r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. In as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as powe<span class=\"_ _6\"></span>r over su<span class=\"_ _6\"></span>ch en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ers f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tors s<span class=\"_ _6\"></span>uch a<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e pur<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>e and d<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>ign of t<span class=\"_ _6\"></span>he en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, its p<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>evan<span class=\"_ _6\"></span>t ac<span class=\"_ _6\"></span>tiv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, the n<span class=\"_ _6\"></span>atu<span class=\"_ _6\"></span>re of t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, and t<span class=\"_ _6\"></span>he size of i<span class=\"_ _6\"></span>ts exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to th<span class=\"_ _6\"></span>e var<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y of re<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>rns o<span class=\"_ _6\"></span>f the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y.<span class=\"_ _2f2\"> </span>The c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s pres<span class=\"_ _6\"></span>ent t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts of th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny and i<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ies as i<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>hey for<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>d a sin<span class=\"_ _6\"></span>gl<span class=\"_ _6\"></span>e en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Inte<span class=\"_ _6\"></span>rcom<span class=\"_ _6\"></span>pany t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n Group c<span class=\"_ _0\"></span>ompanies ar<span class=\"_ _0\"></span>e there<span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>e eliminat<span class=\"_ _0\"></span>ed in full.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-474": {
   "value": "The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e acq<span class=\"_ _6\"></span>uis<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d to acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t for bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess co<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons. I<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e acq<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>e\u2019s id<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>nt li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es are in<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>t the<span class=\"_ _6\"></span>ir f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>es at t<span class=\"_ _6\"></span>he acq<span class=\"_ _6\"></span>uis<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n da<span class=\"_ _6\"></span>te. Acqu<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>-rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss as i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. The re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f acq<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons are in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>rehe<span class=\"_ _6\"></span>nsive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e from t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate o<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l is ob<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d. Th<span class=\"_ _6\"></span>ey are de<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate on w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l ceas<span class=\"_ _6\"></span>es.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-455": {
   "value": "The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e acq<span class=\"_ _6\"></span>uis<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d to acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t for bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess co<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons. I<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e acq<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>e\u2019s id<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>nt li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es are in<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>t the<span class=\"_ _6\"></span>ir f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>es at t<span class=\"_ _6\"></span>he acq<span class=\"_ _6\"></span>uis<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n da<span class=\"_ _6\"></span>te. Acqu<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>-rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss as i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. The re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f acq<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons are in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>rehe<span class=\"_ _6\"></span>nsive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e from t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate o<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l is ob<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d. Th<span class=\"_ _6\"></span>ey are de<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate on w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l ceas<span class=\"_ _6\"></span>es.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-369": {
   "value": "Foreign<span class=\"_ _0\"></span> currenc<span class=\"_ _0\"></span>y translation<span class=\"_ _2f2\"> </span>T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons e<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>o by Group e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>n a cur<span class=\"_ _6\"></span>rency o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er th<span class=\"_ _6\"></span>an t<span class=\"_ _6\"></span>he cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy of t<span class=\"_ _6\"></span>he pr<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y e<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>c enviro<span class=\"_ _6\"></span>nm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>ey ope<span class=\"_ _6\"></span>rate (t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir \u201c<span class=\"_ _6\"></span>fu<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>y\u201d<span class=\"_ _6\"></span>) are reco<span class=\"_ _6\"></span>rde<span class=\"_ _6\"></span>d at th<span class=\"_ _6\"></span>e rat<span class=\"_ _6\"></span>es ru<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>rans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons o<span class=\"_ _6\"></span>ccu<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>. Forei<span class=\"_ _6\"></span>gn cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy mo<span class=\"_ _6\"></span>net<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es are t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d at t<span class=\"_ _6\"></span>he prev<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ing ra<span class=\"_ _6\"></span>te at th<span class=\"_ _6\"></span>e rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g dat<span class=\"_ _6\"></span>e. Exc<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>es ar<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng on t<span class=\"_ _6\"></span>he ret<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sla<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of u<span class=\"_ _6\"></span>nse<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d mon<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d imm<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>ly in p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>On d<span class=\"_ _6\"></span>isp<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>al of a fore<span class=\"_ _6\"></span>ign o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, th<span class=\"_ _6\"></span>e cum<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve exchan<span class=\"_ _6\"></span>ge di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d in th<span class=\"_ _6\"></span>e forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing to t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n up to t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate of d<span class=\"_ _6\"></span>isp<span class=\"_ _6\"></span>osa<span class=\"_ _6\"></span>l are tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red to t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>nsive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e as pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss o<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-370": {
   "value": "Presentation c<span class=\"_ _0\"></span>urrency<span class=\"_ _2f2\"> </span>These c<span class=\"_ _0\"></span>onsolidated financial<span class=\"_ _0\"></span> statements are<span class=\"_ _0\"></span> present<span class=\"_ _0\"></span>ed in GB<span class=\"_ _6\"></span>P ste<span class=\"_ _6\"></span>rli<span class=\"_ _6\"></span>ng, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h is t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s p<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Al<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies of ove<span class=\"_ _6\"></span>rsea<span class=\"_ _6\"></span>s op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons, i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing go<span class=\"_ _6\"></span>odw<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g on t<span class=\"_ _6\"></span>he ac<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns, a<span class=\"_ _6\"></span>re tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed at t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>revail<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g rate a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ate. I<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me an<span class=\"_ _6\"></span>d expe<span class=\"_ _6\"></span>nse i<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>s are tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted at t<span class=\"_ _6\"></span>he ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e excha<span class=\"_ _6\"></span>nge ra<span class=\"_ _6\"></span>tes for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, unl<span class=\"_ _6\"></span>ess exch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge ra<span class=\"_ _6\"></span>tes fl<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ate s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>tly du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>at yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, in whi<span class=\"_ _6\"></span>ch c<span class=\"_ _6\"></span>ase t<span class=\"_ _6\"></span>he exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e rate<span class=\"_ _6\"></span>s at t<span class=\"_ _6\"></span>he da<span class=\"_ _6\"></span>te of t<span class=\"_ _6\"></span>rans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re use<span class=\"_ _6\"></span>d. E<span class=\"_ _6\"></span>xcha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nces a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r com<span class=\"_ _6\"></span>preh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e and a<span class=\"_ _6\"></span>ccu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d in e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Go<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>wil<span class=\"_ _6\"></span>l and f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e adj<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g on t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>cqu<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of a fore<span class=\"_ _6\"></span>ign e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>re tre<span class=\"_ _6\"></span>ated a<span class=\"_ _6\"></span>s ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>nd li<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies of t<span class=\"_ _6\"></span>he for<span class=\"_ _0\"></span>eign entit<span class=\"_ _6\"></span>y and<span class=\"_ _0\"></span> translated at<span class=\"_ _0\"></span> the pre<span class=\"_ _0\"></span>vailing<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span> at the repor<span class=\"_ _6\"></span>ting date<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-371": {
   "value": "Segment r<span class=\"_ _0\"></span>eporting<span class=\"_ _2f2\"> </span>Operating segments are<span class=\"_ _0\"></span> reported in the manner<span class=\"_ _0\"></span> consistent wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal re<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d to the ch<span class=\"_ _6\"></span>ief o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span> de<span class=\"_ _6\"></span>cisi<span class=\"_ _6\"></span>on m<span class=\"_ _6\"></span>aker (\u201cC<span class=\"_ _6\"></span>OD<span class=\"_ _6\"></span>M\u201d<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>. The CO<span class=\"_ _6\"></span>DM<span class=\"_ _6\"></span>, whic<span class=\"_ _6\"></span>h is th<span class=\"_ _6\"></span>e fun<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span> responsible<span class=\"_ _0\"></span> f<span class=\"_ _0\"></span>or <span class=\"_ _0\"></span>allocating re<span class=\"_ _0\"></span>sources<span class=\"_ _0\"></span> and<span class=\"_ _0\"></span> a<span class=\"_ _0\"></span>ssessing <span class=\"_ _0\"></span>per<span class=\"_ _6\"></span>formance of th<span class=\"_ _6\"></span>e ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g seg<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts, ha<span class=\"_ _6\"></span>s bee<span class=\"_ _6\"></span>n ide<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as the E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve Co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>e (\u201c<span class=\"_ _6\"></span>Ex<span class=\"_ _6\"></span>Co\u201d<span class=\"_ _6\"></span>), whic<span class=\"_ _6\"></span>h makes s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rate<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>c dec<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ons. Fo<span class=\"_ _6\"></span>r ea<span class=\"_ _6\"></span>ch id<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing s<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sed info<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on fo<span class=\"_ _6\"></span>r the key p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ind<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ator<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at are ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly to revi<span class=\"_ _6\"></span>ew an<span class=\"_ _6\"></span>d ste<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e in th<span class=\"_ _6\"></span>e Str<span class=\"_ _6\"></span>ategic<span class=\"_ _0\"></span> Repor<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en se<span class=\"_ _6\"></span>gm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s are o<span class=\"_ _6\"></span>n an ar<span class=\"_ _6\"></span>m\u2019s le<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>th b<span class=\"_ _6\"></span>asis in a m<span class=\"_ _6\"></span>ann<span class=\"_ _6\"></span>er si<span class=\"_ _6\"></span>mil<span class=\"_ _6\"></span>ar to t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>hird p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>tie<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-372": {
   "value": "Exceptional it<span class=\"_ _0\"></span>ems<span class=\"_ _2f2\"> </span>E<span class=\"_ _6\"></span>xcep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l ite<span class=\"_ _6\"></span>ms are t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>tems o<span class=\"_ _6\"></span>f inc<span class=\"_ _6\"></span>ome o<span class=\"_ _6\"></span>r exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e tha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p cons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>rs are ma<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ial, o<span class=\"_ _6\"></span>ne-<span class=\"_ _6\"></span>of<span class=\"_ _5\"></span>f in natu<span class=\"_ _6\"></span>re and of such significance that they<span class=\"_ _0\"></span> merit separate<span class=\"_ _0\"></span> presentation in ord<span class=\"_ _6\"></span>er to aid the rea<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>\u2019s und<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ing of th<span class=\"_ _6\"></span>e Group\u2019s f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce. Su<span class=\"_ _6\"></span>ch i<span class=\"_ _6\"></span>tems wo<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>d inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>ses on d<span class=\"_ _6\"></span>isp<span class=\"_ _6\"></span>osa<span class=\"_ _6\"></span>l of bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>es, t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s, ac<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons an<span class=\"_ _6\"></span>d dis<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>als<span class=\"_ _6\"></span>, maj<span class=\"_ _6\"></span>or res<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>s, si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ant go<span class=\"_ _6\"></span>odw<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l or ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r ass<span class=\"_ _6\"></span>et im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s, an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ticu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>rly signific<span class=\"_ _6\"></span>ant or<span class=\"_ _0\"></span> unusual<span class=\"_ _0\"></span> items.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExceptionalItemsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-373": {
   "value": "Income recognition<span class=\"_ _2f2\"> </span>Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>e wi<span class=\"_ _6\"></span>th I<span class=\"_ _6\"></span>FRS 15 w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h provid<span class=\"_ _6\"></span>es a sin<span class=\"_ _6\"></span>gl<span class=\"_ _6\"></span>e, pr<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>ipl<span class=\"_ _6\"></span>es-<span class=\"_ _6\"></span>bas<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>ive<span class=\"_ _6\"></span>-ste<span class=\"_ _6\"></span>p mo<span class=\"_ _6\"></span>del t<span class=\"_ _6\"></span>o be ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ied to all c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th c<span class=\"_ _6\"></span>usto<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>rs: 1) <span class=\"_ _1f\"> </span>i<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the c<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tome<span class=\"_ _6\"></span>r; 2) <span class=\"_ _19\"> </span>id<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>y th<span class=\"_ _6\"></span>e per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t; 3) <span class=\"_ _19\"> </span>d<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ine t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ce; 4) <span class=\"_ _19\"> </span> <span class=\"_ _2d\"></span>a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>te th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on pr<span class=\"_ _6\"></span>ice t<span class=\"_ _6\"></span>o the p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>ts, o<span class=\"_ _6\"></span>n a rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>lon<span class=\"_ _6\"></span>e se<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>ng pr<span class=\"_ _6\"></span>ice b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s; and 5) <span class=\"_ _15\"> </span> <span class=\"_ _2d\"></span>re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>e whe<span class=\"_ _6\"></span>n (or as) the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y s<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>es i<span class=\"_ _6\"></span>ts per<span class=\"_ _6\"></span>formanc<span class=\"_ _0\"></span>e obligation.<span class=\"_ _2f2\"> </span>Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed for t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns is cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as <span class=\"ff53 lsd4 wsf8\">transaction fees<span class=\"_ _0\"></span><span class=\"ff55 ls12 ws16\">. The c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r </span></span>an<span class=\"_ _6\"></span>d rela<span class=\"_ _6\"></span>ted te<span class=\"_ _6\"></span>rms a<span class=\"_ _6\"></span>re cle<span class=\"_ _6\"></span>arl<span class=\"_ _6\"></span>y id<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e. The p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t is co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to be t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g of <span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on pr<span class=\"_ _6\"></span>ice i<span class=\"_ _6\"></span>s clear<span class=\"_ _6\"></span>ly sta<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e bor<span class=\"_ _6\"></span>rower<span class=\"_ _6\"></span>\u2019s co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t. Fe<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed imm<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>iat<span class=\"_ _6\"></span>ely o<span class=\"_ _6\"></span>nce l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns are fu<span class=\"_ _6\"></span>lly f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d and a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s are acc<span class=\"_ _6\"></span>ept<span class=\"_ _6\"></span>ed by the b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowers<span class=\"_ _6\"></span>. At this p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t the p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en met<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>ere are no cl<span class=\"_ _6\"></span>awb<span class=\"_ _6\"></span>ack provi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d the fe<span class=\"_ _6\"></span>e is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d. Su<span class=\"_ _6\"></span>ch fee<span class=\"_ _6\"></span>s are au<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d from th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowed.<span class=\"_ _6\"></span> Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom refer<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ls to pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ner l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>s is cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as <span class=\"ff53 lsd4 wsf8\">transaction fees<span class=\"_ _0\"></span><span class=\"ff56 ls12 ws16\">. The<span class=\"_ _6\"></span>re are con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ts in p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ce </span></span>wi<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>tne<span class=\"_ _6\"></span>r len<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>rs wi<span class=\"_ _6\"></span>th c<span class=\"_ _6\"></span>lea<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>y ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e term<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e refer<span class=\"_ _6\"></span>ral by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>nd su<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g of th<span class=\"_ _6\"></span>e refer<span class=\"_ _6\"></span>red lo<span class=\"_ _6\"></span>an by t<span class=\"_ _6\"></span>he pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ner i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>e is cle<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ly s<span class=\"_ _6\"></span>tat<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>ferr<span class=\"_ _6\"></span>al ag<span class=\"_ _6\"></span>ree<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. Fe<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed on<span class=\"_ _6\"></span>ce th<span class=\"_ _6\"></span>e refer<span class=\"_ _6\"></span>red l<span class=\"_ _6\"></span>oan h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>r lend<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d acce<span class=\"_ _6\"></span>pte<span class=\"_ _6\"></span>d by the refer<span class=\"_ _6\"></span>red b<span class=\"_ _6\"></span>orrowe<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>. At thi<span class=\"_ _6\"></span>s poi<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n me<span class=\"_ _6\"></span>t and t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re are no signific<span class=\"_ _6\"></span>ant c<span class=\"_ _0\"></span>lawback pr<span class=\"_ _0\"></span>ovi<span class=\"_ _0\"></span>sions. Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vici<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hird p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns is class<span class=\"_ _6\"></span>ifi<span class=\"_ _6\"></span>ed as<span class=\"ff5f ls12 ws16\"> ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g fees <span class=\"ff55\">a<span class=\"_ _6\"></span>nd is a c<span class=\"_ _6\"></span>ost o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e invest<span class=\"_ _6\"></span>or<span class=\"_ _0\"></span>. It </span></span>com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ises a<span class=\"_ _6\"></span>n ann<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>lise<span class=\"_ _6\"></span>d fee re<span class=\"_ _6\"></span>pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g a pe<span class=\"_ _6\"></span>rcent<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e of ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal<span class=\"_ _6\"></span>. The co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ual b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s for th<span class=\"_ _6\"></span>e se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vici<span class=\"_ _6\"></span>ng fee a<span class=\"_ _6\"></span>nd tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>e is ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ter<span class=\"_ _6\"></span>ms an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons ag<span class=\"_ _6\"></span>reed by i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs to t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m. Th<span class=\"_ _6\"></span>e per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>s ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd al<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g rep<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tive l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>s. The t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n pr<span class=\"_ _6\"></span>ice is al<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ted as a p<span class=\"_ _6\"></span>erce<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>age o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce, rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n. Fee<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on a mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hly b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s up<span class=\"_ _6\"></span>on rep<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt of lo<span class=\"_ _6\"></span>an p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s. Du<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns, t<span class=\"_ _6\"></span>here a<span class=\"_ _6\"></span>re no pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly co<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ts at t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et d<span class=\"_ _6\"></span>ate an<span class=\"_ _6\"></span>d no advanc<span class=\"_ _0\"></span>e pa<span class=\"_ _0\"></span>yments fr<span class=\"_ _0\"></span>om cu<span class=\"_ _0\"></span>stomers.<span class=\"_ _2f2\"> </span>Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom in<span class=\"_ _6\"></span>terch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e fees f<span class=\"_ _6\"></span>rom Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay ca<span class=\"_ _6\"></span>rd and C<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>hba<span class=\"_ _6\"></span>ck c<span class=\"_ _6\"></span>ard is cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as a <span class=\"ff53 lsd4 wsf8\">transaction fee<span class=\"_ _0\"></span><span class=\"ff56 ls12 ws16\">. </span></span>A con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t is in p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ard p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>er wh<span class=\"_ _6\"></span>ich re<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he fee reven<span class=\"_ _6\"></span>ues to t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. C<span class=\"_ _6\"></span>ard fe<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>tely<span class=\"_ _6\"></span> at t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t of tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on as a<span class=\"_ _6\"></span>t thi<span class=\"_ _6\"></span>s po<span class=\"_ _6\"></span>int t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion h<span class=\"_ _6\"></span>as b<span class=\"_ _6\"></span>een m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>. Bo<span class=\"_ _6\"></span>rrower<span class=\"_ _6\"></span>s usi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r Flex<span class=\"_ _6\"></span>iPay c<span class=\"_ _6\"></span>ard may \u201c<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>lip<span class=\"_ _6\"></span>\u201d the b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e into a Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay lo<span class=\"_ _6\"></span>an re<span class=\"_ _6\"></span>payab<span class=\"_ _6\"></span>le over t<span class=\"_ _6\"></span>he ag<span class=\"_ _6\"></span>reed t<span class=\"_ _6\"></span>erm o<span class=\"_ _6\"></span>f the d<span class=\"_ _6\"></span>rawd<span class=\"_ _6\"></span>own an<span class=\"_ _6\"></span>d for a fe<span class=\"_ _6\"></span>e. The fe<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d by bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>rs wh<span class=\"_ _6\"></span>o fli<span class=\"_ _6\"></span>p the<span class=\"_ _6\"></span> card b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>e into a lo<span class=\"_ _6\"></span>an is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span> un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9 fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>int o<span class=\"_ _6\"></span>f the f<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>p over th<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>fe of th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t rate m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d and is re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed under <span class=\"ff53 ls3d ws47\">interest income<span class=\"_ _0\"></span><span class=\"ff56 ls12 ws16\">.<span class=\"_ _2f2\"> </span></span></span>Other fees<span class=\"_ _0\"></span><span class=\"ff56 ls5 wsf9\"> includes inco<span class=\"_ _6\"></span>me from collect<span class=\"_ _6\"></span>ions charges levied </span>on t<span class=\"_ _6\"></span>he su<span class=\"_ _6\"></span>cce<span class=\"_ _6\"></span>ss<span class=\"_ _6\"></span>ful re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>y of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>ese are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vice<span class=\"_ _6\"></span>s are pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>d or p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s are me<span class=\"_ _6\"></span>t. I<span class=\"_ _6\"></span>t al<span class=\"_ _6\"></span>so in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>-re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed fees re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed to th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld by cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span> an<span class=\"_ _6\"></span>d any gai<span class=\"_ _6\"></span>n on s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e of lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>Ne<span class=\"_ _6\"></span>t inc<span class=\"_ _6\"></span>ome i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g el<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>er wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia o<span class=\"_ _6\"></span>f IFRS 9 a<span class=\"_ _6\"></span>nd no<span class=\"_ _6\"></span>t IFRS 1<span class=\"_ _6\"></span>5 are a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d:<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>es: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff56 fc2 ls7\">inte<span class=\"_ _6\"></span>rest i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed on a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t </span></span>under the e<span class=\"_ _0\"></span>f<span class=\"_ _6\"></span>fective<span class=\"_ _0\"></span> inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e method inc<span class=\"_ _0\"></span>luding f<span class=\"_ _0\"></span>ees in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red on Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay drawd<span class=\"_ _6\"></span>owns an<span class=\"_ _6\"></span>d Flex<span class=\"_ _6\"></span>iPay c<span class=\"_ _6\"></span>ard \u201c<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>lip<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d\u201d ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces, a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n Cas<span class=\"_ _6\"></span>hba<span class=\"_ _6\"></span>ck c<span class=\"_ _6\"></span>ard dr<span class=\"_ _6\"></span>awn ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e on co<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ate c<span class=\"_ _6\"></span>ash an<span class=\"_ _6\"></span>d cli<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t mo<span class=\"_ _6\"></span>nies h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d. I<span class=\"_ _6\"></span>t also i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e on mo<span class=\"_ _6\"></span>ney ma<span class=\"_ _6\"></span>rket f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss.<span class=\"_ _2f2\"> </span>Inv<span class=\"_ _0\"></span>estment income<span class=\"_ _0\"></span> includes<span class=\"_ _0\"></span>: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me f<span class=\"_ _6\"></span>rom SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s </span></span>th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>s on b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et.<span class=\"_ _2f2\"> </span>Fair va<span class=\"_ _6\"></span>lue g<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>s/l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">g<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ns/l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es fro<span class=\"_ _6\"></span>m cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l </span></span>ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d on ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>hee<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>Cos<span class=\"_ _6\"></span>t of f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest p<span class=\"_ _6\"></span>ayab<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>n fun<span class=\"_ _6\"></span>ds b<span class=\"_ _6\"></span>orrowe<span class=\"_ _6\"></span>d to f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ing </span></span>of li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd sh<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Ne<span class=\"_ _6\"></span>t inc<span class=\"_ _6\"></span>ome re<span class=\"_ _6\"></span>cord<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>s gen<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ted in t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K, G<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>any an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Net<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>s. Al<span class=\"_ _6\"></span>l fees a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d and m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>bove in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e recognition policy<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-423": {
   "value": "Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>e wi<span class=\"_ _6\"></span>th I<span class=\"_ _6\"></span>FRS 15 w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h provid<span class=\"_ _6\"></span>es a sin<span class=\"_ _6\"></span>gl<span class=\"_ _6\"></span>e, pr<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>ipl<span class=\"_ _6\"></span>es-<span class=\"_ _6\"></span>bas<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>ive<span class=\"_ _6\"></span>-ste<span class=\"_ _6\"></span>p mo<span class=\"_ _6\"></span>del t<span class=\"_ _6\"></span>o be ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ied to all c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th c<span class=\"_ _6\"></span>usto<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>rs: 1) <span class=\"_ _1f\"> </span>i<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the c<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tome<span class=\"_ _6\"></span>r; 2) <span class=\"_ _19\"> </span>id<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>y th<span class=\"_ _6\"></span>e per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t; 3) <span class=\"_ _19\"> </span>d<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ine t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ce; 4) <span class=\"_ _19\"> </span> <span class=\"_ _2d\"></span>a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>te th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on pr<span class=\"_ _6\"></span>ice t<span class=\"_ _6\"></span>o the p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>ts, o<span class=\"_ _6\"></span>n a rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>lon<span class=\"_ _6\"></span>e se<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>ng pr<span class=\"_ _6\"></span>ice b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s; and 5) <span class=\"_ _15\"> </span> <span class=\"_ _2d\"></span>re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>e whe<span class=\"_ _6\"></span>n (or as) the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y s<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>es i<span class=\"_ _6\"></span>ts per<span class=\"_ _6\"></span>formanc<span class=\"_ _0\"></span>e obligation.<span class=\"_ _2f2\"> </span>Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed for t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns is cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as <span class=\"ff53 lsd4 wsf8\">transaction fees<span class=\"_ _0\"></span><span class=\"ff55 ls12 ws16\">. The c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r </span></span>an<span class=\"_ _6\"></span>d rela<span class=\"_ _6\"></span>ted te<span class=\"_ _6\"></span>rms a<span class=\"_ _6\"></span>re cle<span class=\"_ _6\"></span>arl<span class=\"_ _6\"></span>y id<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e. The p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t is co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to be t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g of <span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on pr<span class=\"_ _6\"></span>ice i<span class=\"_ _6\"></span>s clear<span class=\"_ _6\"></span>ly sta<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e bor<span class=\"_ _6\"></span>rower<span class=\"_ _6\"></span>\u2019s co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t. Fe<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed imm<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>iat<span class=\"_ _6\"></span>ely o<span class=\"_ _6\"></span>nce l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns are fu<span class=\"_ _6\"></span>lly f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d and a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s are acc<span class=\"_ _6\"></span>ept<span class=\"_ _6\"></span>ed by the b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowers<span class=\"_ _6\"></span>. At this p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t the p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en met<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>ere are no cl<span class=\"_ _6\"></span>awb<span class=\"_ _6\"></span>ack provi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d the fe<span class=\"_ _6\"></span>e is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d. Su<span class=\"_ _6\"></span>ch fee<span class=\"_ _6\"></span>s are au<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d from th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowed.<span class=\"_ _6\"></span> Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom refer<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ls to pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ner l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>s is cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as <span class=\"ff53 lsd4 wsf8\">transaction fees<span class=\"_ _0\"></span><span class=\"ff56 ls12 ws16\">. The<span class=\"_ _6\"></span>re are con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ts in p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ce </span></span>wi<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>tne<span class=\"_ _6\"></span>r len<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>rs wi<span class=\"_ _6\"></span>th c<span class=\"_ _6\"></span>lea<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>y ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e term<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e refer<span class=\"_ _6\"></span>ral by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>nd su<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g of th<span class=\"_ _6\"></span>e refer<span class=\"_ _6\"></span>red lo<span class=\"_ _6\"></span>an by t<span class=\"_ _6\"></span>he pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ner i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>e is cle<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ly s<span class=\"_ _6\"></span>tat<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>ferr<span class=\"_ _6\"></span>al ag<span class=\"_ _6\"></span>ree<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. Fe<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed on<span class=\"_ _6\"></span>ce th<span class=\"_ _6\"></span>e refer<span class=\"_ _6\"></span>red l<span class=\"_ _6\"></span>oan h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>r lend<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d acce<span class=\"_ _6\"></span>pte<span class=\"_ _6\"></span>d by the refer<span class=\"_ _6\"></span>red b<span class=\"_ _6\"></span>orrowe<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>. At thi<span class=\"_ _6\"></span>s poi<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n me<span class=\"_ _6\"></span>t and t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re are no signific<span class=\"_ _6\"></span>ant c<span class=\"_ _0\"></span>lawback pr<span class=\"_ _0\"></span>ovi<span class=\"_ _0\"></span>sions. Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vici<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hird p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns is class<span class=\"_ _6\"></span>ifi<span class=\"_ _6\"></span>ed as<span class=\"ff5f ls12 ws16\"> ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g fees <span class=\"ff55\">a<span class=\"_ _6\"></span>nd is a c<span class=\"_ _6\"></span>ost o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e invest<span class=\"_ _6\"></span>or<span class=\"_ _0\"></span>. It </span></span>com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ises a<span class=\"_ _6\"></span>n ann<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>lise<span class=\"_ _6\"></span>d fee re<span class=\"_ _6\"></span>pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g a pe<span class=\"_ _6\"></span>rcent<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e of ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal<span class=\"_ _6\"></span>. The co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ual b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s for th<span class=\"_ _6\"></span>e se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vici<span class=\"_ _6\"></span>ng fee a<span class=\"_ _6\"></span>nd tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>e is ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ter<span class=\"_ _6\"></span>ms an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons ag<span class=\"_ _6\"></span>reed by i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs to t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m. Th<span class=\"_ _6\"></span>e per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>s ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd al<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g rep<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tive l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>s. The t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n pr<span class=\"_ _6\"></span>ice is al<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ted as a p<span class=\"_ _6\"></span>erce<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>age o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce, rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n. Fee<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on a mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hly b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s up<span class=\"_ _6\"></span>on rep<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt of lo<span class=\"_ _6\"></span>an p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s. Du<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns, t<span class=\"_ _6\"></span>here a<span class=\"_ _6\"></span>re no pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly co<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ts at t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et d<span class=\"_ _6\"></span>ate an<span class=\"_ _6\"></span>d no advanc<span class=\"_ _0\"></span>e pa<span class=\"_ _0\"></span>yments fr<span class=\"_ _0\"></span>om cu<span class=\"_ _0\"></span>stomers.<span class=\"_ _2f2\"> </span>Fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom in<span class=\"_ _6\"></span>terch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e fees f<span class=\"_ _6\"></span>rom Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay ca<span class=\"_ _6\"></span>rd and C<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>hba<span class=\"_ _6\"></span>ck c<span class=\"_ _6\"></span>ard is cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as a <span class=\"ff53 lsd4 wsf8\">transaction fee<span class=\"_ _0\"></span><span class=\"ff56 ls12 ws16\">. </span></span>A con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t is in p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ard p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>er wh<span class=\"_ _6\"></span>ich re<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he fee reven<span class=\"_ _6\"></span>ues to t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. C<span class=\"_ _6\"></span>ard fe<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>tely<span class=\"_ _6\"></span> at t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t of tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on as a<span class=\"_ _6\"></span>t thi<span class=\"_ _6\"></span>s po<span class=\"_ _6\"></span>int t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion h<span class=\"_ _6\"></span>as b<span class=\"_ _6\"></span>een m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>. Bo<span class=\"_ _6\"></span>rrower<span class=\"_ _6\"></span>s usi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r Flex<span class=\"_ _6\"></span>iPay c<span class=\"_ _6\"></span>ard may \u201c<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>lip<span class=\"_ _6\"></span>\u201d the b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e into a Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay lo<span class=\"_ _6\"></span>an re<span class=\"_ _6\"></span>payab<span class=\"_ _6\"></span>le over t<span class=\"_ _6\"></span>he ag<span class=\"_ _6\"></span>reed t<span class=\"_ _6\"></span>erm o<span class=\"_ _6\"></span>f the d<span class=\"_ _6\"></span>rawd<span class=\"_ _6\"></span>own an<span class=\"_ _6\"></span>d for a fe<span class=\"_ _6\"></span>e. The fe<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d by bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>rs wh<span class=\"_ _6\"></span>o fli<span class=\"_ _6\"></span>p the<span class=\"_ _6\"></span> card b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>e into a lo<span class=\"_ _6\"></span>an is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span> un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9 fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>int o<span class=\"_ _6\"></span>f the f<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>p over th<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>fe of th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t rate m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d and is re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed under <span class=\"ff53 ls3d ws47\">interest income<span class=\"_ _0\"></span><span class=\"ff56 ls12 ws16\">.<span class=\"_ _2f2\"> </span></span></span>Other fees<span class=\"_ _0\"></span><span class=\"ff56 ls5 wsf9\"> includes inco<span class=\"_ _6\"></span>me from collect<span class=\"_ _6\"></span>ions charges levied </span>on t<span class=\"_ _6\"></span>he su<span class=\"_ _6\"></span>cce<span class=\"_ _6\"></span>ss<span class=\"_ _6\"></span>ful re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>y of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>ese are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vice<span class=\"_ _6\"></span>s are pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>d or p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s are me<span class=\"_ _6\"></span>t. I<span class=\"_ _6\"></span>t al<span class=\"_ _6\"></span>so in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>-re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed fees re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed to th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld by cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span> an<span class=\"_ _6\"></span>d any gai<span class=\"_ _6\"></span>n on s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e of lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-424": {
   "value": "Ne<span class=\"_ _6\"></span>t inc<span class=\"_ _6\"></span>ome i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g el<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>er wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia o<span class=\"_ _6\"></span>f IFRS 9 a<span class=\"_ _6\"></span>nd no<span class=\"_ _6\"></span>t IFRS 1<span class=\"_ _6\"></span>5 are a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d:<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>es: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff56 fc2 ls7\">inte<span class=\"_ _6\"></span>rest i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed on a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t </span></span>under the e<span class=\"_ _0\"></span>f<span class=\"_ _6\"></span>fective<span class=\"_ _0\"></span> inter<span class=\"_ _0\"></span>est rat<span class=\"_ _0\"></span>e method inc<span class=\"_ _0\"></span>luding f<span class=\"_ _0\"></span>ees in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red on Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay drawd<span class=\"_ _6\"></span>owns an<span class=\"_ _6\"></span>d Flex<span class=\"_ _6\"></span>iPay c<span class=\"_ _6\"></span>ard \u201c<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>lip<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d\u201d ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces, a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n Cas<span class=\"_ _6\"></span>hba<span class=\"_ _6\"></span>ck c<span class=\"_ _6\"></span>ard dr<span class=\"_ _6\"></span>awn ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e on co<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ate c<span class=\"_ _6\"></span>ash an<span class=\"_ _6\"></span>d cli<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t mo<span class=\"_ _6\"></span>nies h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d. I<span class=\"_ _6\"></span>t also i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e on mo<span class=\"_ _6\"></span>ney ma<span class=\"_ _6\"></span>rket f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss.<span class=\"_ _2f2\"> </span>Inv<span class=\"_ _0\"></span>estment income<span class=\"_ _0\"></span> includes<span class=\"_ _0\"></span>: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me f<span class=\"_ _6\"></span>rom SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s </span></span>th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>s on b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et.<span class=\"_ _2f2\"> </span>Fair va<span class=\"_ _6\"></span>lue g<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>s/l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">g<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ns/l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es fro<span class=\"_ _6\"></span>m cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l </span></span>ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d on ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>hee<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>Cos<span class=\"_ _6\"></span>t of f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest p<span class=\"_ _6\"></span>ayab<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>n fun<span class=\"_ _6\"></span>ds b<span class=\"_ _6\"></span>orrowe<span class=\"_ _6\"></span>d to f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ing </span></span>of li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd sh<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Ne<span class=\"_ _6\"></span>t inc<span class=\"_ _6\"></span>ome re<span class=\"_ _6\"></span>cord<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>s gen<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ted in t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K, G<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>any an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Net<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>s. Al<span class=\"_ _6\"></span>l fees a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d and m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>bove in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e recognition policy<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-374": {
   "value": "Cashback card<span class=\"_ _0\"></span> accounting Cas<span class=\"_ _6\"></span>hb<span class=\"_ _6\"></span>ack of<span class=\"_ _5\"></span>fered o<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup is con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to fall un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r IFRS 15 wh<span class=\"_ _6\"></span>ere i<span class=\"_ _6\"></span>t is cont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ly li<span class=\"_ _6\"></span>nked to ca<span class=\"_ _6\"></span>rd spe<span class=\"_ _6\"></span>nd whe<span class=\"_ _6\"></span>re an inte<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>nge fe<span class=\"_ _6\"></span>e is gen<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ted at t<span class=\"_ _6\"></span>he po<span class=\"_ _6\"></span>int of sp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>d. Wh<span class=\"_ _6\"></span>ere th<span class=\"_ _6\"></span>e cash<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>ck reward to t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrower is<span class=\"_ _6\"></span> ca<span class=\"_ _6\"></span>sh set<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d or ne<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d agai<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>t an ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce du<span class=\"_ _6\"></span>e from th<span class=\"_ _6\"></span>e cust<span class=\"_ _6\"></span>ome<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, it is tre<span class=\"_ _6\"></span>ated as a red<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on in th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n pr<span class=\"_ _6\"></span>ice un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 15 an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>re is no ong<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>g per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e obl<span class=\"_ _6\"></span>iga<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on beyo<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rd tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h inte<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>nge fe<span class=\"_ _6\"></span>e in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d net of th<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>hba<span class=\"_ _6\"></span>ck gr<span class=\"_ _6\"></span>ante<span class=\"_ _6\"></span>d. The c<span class=\"_ _6\"></span>ash<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>ck reward<span class=\"_ _6\"></span>s pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>mme d<span class=\"_ _6\"></span>oe<span class=\"_ _6\"></span>s not cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly of<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>r bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>rs th<span class=\"_ _6\"></span>e op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n to excha<span class=\"_ _6\"></span>nge t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir c<span class=\"_ _6\"></span>ash<span class=\"_ _6\"></span>bac<span class=\"_ _6\"></span>k reward fo<span class=\"_ _6\"></span>r ot<span class=\"_ _6\"></span>her n<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-c<span class=\"_ _6\"></span>ash g<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>ds or ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s. Wh<span class=\"_ _6\"></span>ere b<span class=\"_ _6\"></span>orrow<span class=\"_ _6\"></span>ers d<span class=\"_ _6\"></span>o not re<span class=\"_ _6\"></span>pay t<span class=\"_ _6\"></span>he fu<span class=\"_ _6\"></span>ll b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce d<span class=\"_ _6\"></span>ue on t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r ca<span class=\"_ _6\"></span>rd an<span class=\"_ _6\"></span>d cho<span class=\"_ _6\"></span>ose to revol<span class=\"_ _6\"></span>ve an el<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f it<span class=\"_ _6\"></span>, int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d und<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 9 on t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>ed.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "fundingcircle:DescriptionOfAccountingPolicyForCashbackCardAccounting",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-425": {
   "value": "Administr<span class=\"_ _6\"></span>ative<span class=\"_ _0\"></span> expenses<span class=\"_ _2f2\"> </span>Adm<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>ive ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed as a<span class=\"_ _6\"></span>n exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e in t<span class=\"_ _6\"></span>he st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>rehe<span class=\"_ _6\"></span>nsive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me in t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d in wh<span class=\"_ _6\"></span>ich th<span class=\"_ _6\"></span>ey are in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red o<span class=\"_ _6\"></span>n an ac<span class=\"_ _6\"></span>cru<span class=\"_ _6\"></span>als b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExpensesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-375": {
   "value": "Administr<span class=\"_ _6\"></span>ative<span class=\"_ _0\"></span> expenses<span class=\"_ _2f2\"> </span>Adm<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>ive ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed as a<span class=\"_ _6\"></span>n exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e in t<span class=\"_ _6\"></span>he st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>rehe<span class=\"_ _6\"></span>nsive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me in t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d in wh<span class=\"_ _6\"></span>ich th<span class=\"_ _6\"></span>ey are in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red o<span class=\"_ _6\"></span>n an ac<span class=\"_ _6\"></span>cru<span class=\"_ _6\"></span>als b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "fundingcircle:DescriptionOfAccountingPolicyForAdministrativeExpenses",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-376": {
   "value": "Share-based payments<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>es a num<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r of eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y-se<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d sha<span class=\"_ _6\"></span>re-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d com<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on pl<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>, und<span class=\"_ _6\"></span>er wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup re<span class=\"_ _6\"></span>ceive<span class=\"_ _6\"></span>s ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices fro<span class=\"_ _6\"></span>m emp<span class=\"_ _6\"></span>loyee<span class=\"_ _6\"></span>s as co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r equ<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s (opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d sha<span class=\"_ _6\"></span>res) of th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny<span class=\"_ _0\"></span>. The fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ived i<span class=\"_ _6\"></span>n exchan<span class=\"_ _6\"></span>ge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e gra<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons an<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>ares is re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed as a<span class=\"_ _6\"></span>n exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e. The to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t to be ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>s dete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d by refere<span class=\"_ _6\"></span>nce to t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>air val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s gra<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ny mar<span class=\"_ _6\"></span>ket pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce co<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns (for ex<span class=\"_ _6\"></span>amp<span class=\"_ _6\"></span>le, </span></span>an e<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>\u2019s sha<span class=\"_ _6\"></span>re pr<span class=\"_ _6\"></span>ice); <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">exc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of any se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vic<span class=\"_ _6\"></span>e and n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>rket </span></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce ves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns (for ex<span class=\"_ _6\"></span>amp<span class=\"_ _6\"></span>le, n<span class=\"_ _6\"></span>et in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e, ear<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>er sh<span class=\"_ _6\"></span>are an<span class=\"_ _6\"></span>d rem<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>n emp<span class=\"_ _6\"></span>loyee o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p over a sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d ti<span class=\"_ _6\"></span>me pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od); and <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>f any no<span class=\"_ _6\"></span>n-ves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s (for </span></span>exam<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>e, th<span class=\"_ _6\"></span>e requ<span class=\"_ _6\"></span>irem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t for em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>es to s<span class=\"_ _6\"></span>ave)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>No<span class=\"_ _6\"></span>n-m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket vest<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons ab<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>ber o<span class=\"_ _6\"></span>f opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d sha<span class=\"_ _6\"></span>res th<span class=\"_ _6\"></span>at a<span class=\"_ _6\"></span>re expe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed to ves<span class=\"_ _6\"></span>t. Th<span class=\"_ _6\"></span>e tot<span class=\"_ _6\"></span>al ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>se is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d over t<span class=\"_ _6\"></span>he ves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od, whi<span class=\"_ _6\"></span>ch is t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>od over w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h all o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed ves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re to be s<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>isf<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d. At t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>nd of e<span class=\"_ _6\"></span>ach re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup revi<span class=\"_ _6\"></span>ses i<span class=\"_ _6\"></span>ts e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>te of t<span class=\"_ _6\"></span>he nu<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r of op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons an<span class=\"_ _6\"></span>d sha<span class=\"_ _6\"></span>res th<span class=\"_ _6\"></span>at are ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to ves<span class=\"_ _6\"></span>t bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the n<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-ma<span class=\"_ _6\"></span>rket ves<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>. It re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>e im<span class=\"_ _6\"></span>pac<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he revis<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates, i<span class=\"_ _6\"></span>f a<span class=\"_ _6\"></span>ny<span class=\"_ _b\"></span>, i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>ome s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>, wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h a cor<span class=\"_ _6\"></span>resp<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent t<span class=\"_ _6\"></span>o equ<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y.<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re exercis<span class=\"_ _6\"></span>ed, t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any is<span class=\"_ _6\"></span>sue<span class=\"_ _6\"></span>s new sh<span class=\"_ _6\"></span>ares or u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s tha<span class=\"_ _6\"></span>t have be<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he ma<span class=\"_ _6\"></span>rket<span class=\"_ _6\"></span>. The p<span class=\"_ _6\"></span>roce<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>s rece<span class=\"_ _6\"></span>ived n<span class=\"_ _6\"></span>et of a<span class=\"_ _6\"></span>ny dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly at<span class=\"_ _5\"></span>tr<span class=\"_ _6\"></span>ibu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on cos<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s are cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ted to s<span class=\"_ _6\"></span>hare c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al (no<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>al va<span class=\"_ _6\"></span>lue) an<span class=\"_ _6\"></span>d sha<span class=\"_ _6\"></span>re prem<span class=\"_ _6\"></span>ium w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s are exerci<span class=\"_ _6\"></span>sed<span class=\"_ _6\"></span>. The or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l fair v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t exercis<span class=\"_ _6\"></span>ed is t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>re op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve to th<span class=\"_ _6\"></span>e accu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>ses re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve.<span class=\"_ _2f2\"> </span>The g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>t by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny of opt<span class=\"_ _6\"></span>ions a<span class=\"_ _6\"></span>nd sha<span class=\"_ _6\"></span>res over it<span class=\"_ _6\"></span>s equ<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s to t<span class=\"_ _6\"></span>he em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>es of su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y un<span class=\"_ _6\"></span>der<span class=\"_ _5\"></span>ta<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>gs in th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p is t<span class=\"_ _6\"></span>reate<span class=\"_ _6\"></span>d as a c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e of em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ived, m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured by re<span class=\"_ _6\"></span>feren<span class=\"_ _6\"></span>ce to th<span class=\"_ _6\"></span>e gr<span class=\"_ _6\"></span>ant d<span class=\"_ _6\"></span>ate fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue, i<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed ove<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e vest<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d as an in<span class=\"_ _6\"></span>crea<span class=\"_ _6\"></span>se in i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>aki<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>, wi<span class=\"_ _6\"></span>th a cor<span class=\"_ _6\"></span>resp<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t to eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y in t<span class=\"_ _6\"></span>he Pa<span class=\"_ _6\"></span>rent e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y (<span class=\"_ _6\"></span>the \u201cCompany\u201d) accounts.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-377": {
   "value": "Pension<span class=\"_ _0\"></span> obligations<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>es a def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ion s<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>me for em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyees i<span class=\"_ _6\"></span>n the U<span class=\"_ _6\"></span>K<span class=\"_ _6\"></span>. The sc<span class=\"_ _6\"></span>hem<span class=\"_ _6\"></span>es are p<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n pla<span class=\"_ _6\"></span>ns un<span class=\"_ _6\"></span>der w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p pays f<span class=\"_ _6\"></span>ixe<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ibu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s into a sep<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ate en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as no l<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>al or c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s to pay f<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ibu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s if t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>und d<span class=\"_ _6\"></span>oes n<span class=\"_ _6\"></span>ot ho<span class=\"_ _6\"></span>ld su<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>o pay al<span class=\"_ _6\"></span>l emp<span class=\"_ _6\"></span>loyee<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e ben<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing to e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyee se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ce in t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t and p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>or yea<span class=\"_ _6\"></span>rs. Co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rib<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up\u2019s pe<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>on sc<span class=\"_ _6\"></span>hem<span class=\"_ _6\"></span>e are cha<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me in t<span class=\"_ _6\"></span>he year to w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>ey rela<span class=\"_ _6\"></span>te. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has no f<span class=\"_ _6\"></span>ur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r paym<span class=\"_ _6\"></span>ent ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s onc<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ibu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s have be<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>aid.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-426": {
   "value": "Cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>nd d<span class=\"_ _6\"></span>efe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x The t<span class=\"_ _6\"></span>ax ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nse fo<span class=\"_ _6\"></span>r the ye<span class=\"_ _6\"></span>ar co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s cur<span class=\"_ _6\"></span>rent a<span class=\"_ _6\"></span>nd d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red ta<span class=\"_ _6\"></span>x. Cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x is provid<span class=\"_ _6\"></span>ed at a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nts ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to be pai<span class=\"_ _6\"></span>d (or recove<span class=\"_ _6\"></span>red) usi<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x rates a<span class=\"_ _6\"></span>nd laws t<span class=\"_ _6\"></span>hat have be<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span> en<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>ed or su<span class=\"_ _6\"></span>bst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely en<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ted by th<span class=\"_ _6\"></span>e bal<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et da<span class=\"_ _6\"></span>te in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any and i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ies op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>te an<span class=\"_ _6\"></span>d gen<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>te ta<span class=\"_ _6\"></span>xa<span class=\"_ _6\"></span>ble i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me. M<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y eva<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>tes pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns ta<span class=\"_ _6\"></span>ken in tax ret<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ns wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span> respect t<span class=\"_ _0\"></span>o situations in wh<span class=\"_ _6\"></span>ich a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e t<span class=\"_ _6\"></span>ax reg<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on is su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g po<span class=\"_ _6\"></span>lici<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>ere are m<span class=\"_ _6\"></span>ech<span class=\"_ _6\"></span>ani<span class=\"_ _6\"></span>sms i<span class=\"_ _6\"></span>n pla<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>hat e<span class=\"_ _6\"></span>nsu<span class=\"_ _6\"></span>re subs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re remu<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>atel<span class=\"_ _6\"></span>y on a<span class=\"_ _6\"></span>n arm\u2019s l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>gt<span class=\"_ _6\"></span>h ba<span class=\"_ _6\"></span>sis for ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s provid<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>. It es<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>es provi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns, wh<span class=\"_ _6\"></span>ere ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate, bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n amou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s expe<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ted to be p<span class=\"_ _6\"></span>aid to t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ax au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>roup reg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>d and was gr<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ted a pat<span class=\"_ _6\"></span>ent wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the Pa<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to th<span class=\"_ _6\"></span>e dec<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l of th<span class=\"_ _6\"></span>e Glo<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>l Pla<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span> for Or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons. Lo<span class=\"_ _6\"></span>an inc<span class=\"_ _6\"></span>ome s<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>ams of th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss rel<span class=\"_ _6\"></span>ated<span class=\"_ _6\"></span> to thi<span class=\"_ _6\"></span>s dec<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>oni<span class=\"_ _6\"></span>ng mo<span class=\"_ _6\"></span>del q<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y for p<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t box tre<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t for UK cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n ta<span class=\"_ _6\"></span>x at a re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed r<span class=\"_ _6\"></span>ate of co<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span> rece<span class=\"_ _6\"></span>ives ex<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ra t<span class=\"_ _6\"></span>ax de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s agai<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>t tax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t for the<span class=\"_ _6\"></span> pro<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tio<span class=\"_ _6\"></span>n of pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>oc<span class=\"_ _6\"></span>ated to t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s for un<span class=\"_ _6\"></span>use<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>, ta<span class=\"_ _6\"></span>x cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t is pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>ble t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re ta<span class=\"_ _6\"></span>xab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>ll b<span class=\"_ _6\"></span>e avail<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nces c<span class=\"_ _6\"></span>an b<span class=\"_ _6\"></span>e u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d. De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on d<span class=\"_ _6\"></span>edu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>rar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g fro<span class=\"_ _6\"></span>m inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es, ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd j<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t arr<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s on<span class=\"_ _6\"></span>ly to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t is pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce w<span class=\"_ _6\"></span>ill rever<span class=\"_ _6\"></span>se in t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>re is su<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>xab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e temp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>n be u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed.<span class=\"_ _2f2\"> </span>De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es are p<span class=\"_ _6\"></span>rovide<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le tem<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g fro<span class=\"_ _6\"></span>m inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es, ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd j<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t arr<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s, exce<span class=\"_ _6\"></span>pt for a<span class=\"_ _6\"></span>ny defe<span class=\"_ _6\"></span>rred ta<span class=\"_ _6\"></span>x li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y whe<span class=\"_ _6\"></span>re th<span class=\"_ _6\"></span>e ti<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g of th<span class=\"_ _6\"></span>e revers<span class=\"_ _6\"></span>al of t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>rar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce is co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>led by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p and i<span class=\"_ _6\"></span>t is prob<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>e will n<span class=\"_ _6\"></span>ot reverse i<span class=\"_ _6\"></span>n the fore<span class=\"_ _6\"></span>see<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re.<span class=\"_ _2f2\"> </span>De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>et wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>here i<span class=\"_ _6\"></span>s a le<span class=\"_ _6\"></span>gal<span class=\"_ _6\"></span>ly e<span class=\"_ _6\"></span>nforce<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ri<span class=\"_ _6\"></span>ght t<span class=\"_ _6\"></span>o of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>et cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>rent t<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>x lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s and w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es rel<span class=\"_ _6\"></span>ate to in<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>me ta<span class=\"_ _6\"></span>xes l<span class=\"_ _6\"></span>evie<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e sam<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>xat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>n ei<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he sa<span class=\"_ _6\"></span>me t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y or di<span class=\"_ _6\"></span>f<span class=\"_ _5\"></span>ferent t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>ere is an i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion to s<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es on a ne<span class=\"_ _6\"></span>t bas<span class=\"_ _6\"></span>is.<span class=\"_ _2f2\"> </span>De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x is provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in fu<span class=\"_ _6\"></span>ll, u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e lia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y me<span class=\"_ _6\"></span>tho<span class=\"_ _6\"></span>d, o<span class=\"_ _6\"></span>n temp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>es ar<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x bas<span class=\"_ _6\"></span>es of as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s and li<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>. However, defer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax i<span class=\"_ _6\"></span>s not a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d for i<span class=\"_ _6\"></span>f it a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>es fro<span class=\"_ _6\"></span>m ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of an as<span class=\"_ _6\"></span>set o<span class=\"_ _6\"></span>r lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>n a tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an a bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess c<span class=\"_ _6\"></span>omb<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ti<span class=\"_ _6\"></span>me of t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ts n<span class=\"_ _6\"></span>ei<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>ccou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ing n<span class=\"_ _6\"></span>or t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss. De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>x rate<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>aws t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>ave be<span class=\"_ _6\"></span>en e<span class=\"_ _6\"></span>nac<span class=\"_ _6\"></span>ted o<span class=\"_ _6\"></span>r sub<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>tive<span class=\"_ _6\"></span>ly en<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e year-en<span class=\"_ _6\"></span>d da<span class=\"_ _6\"></span>te an<span class=\"_ _6\"></span>d are exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted to a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>ly wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x asse<span class=\"_ _6\"></span>t is rea<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed or t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y is s<span class=\"_ _6\"></span>et<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d. De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d t<span class=\"_ _6\"></span>ax ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces a<span class=\"_ _6\"></span>re not d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ted.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-378": {
   "value": "Cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>nd d<span class=\"_ _6\"></span>efe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x The t<span class=\"_ _6\"></span>ax ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nse fo<span class=\"_ _6\"></span>r the ye<span class=\"_ _6\"></span>ar co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s cur<span class=\"_ _6\"></span>rent a<span class=\"_ _6\"></span>nd d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red ta<span class=\"_ _6\"></span>x. Cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x is provid<span class=\"_ _6\"></span>ed at a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nts ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to be pai<span class=\"_ _6\"></span>d (or recove<span class=\"_ _6\"></span>red) usi<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x rates a<span class=\"_ _6\"></span>nd laws t<span class=\"_ _6\"></span>hat have be<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span> en<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>ed or su<span class=\"_ _6\"></span>bst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely en<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ted by th<span class=\"_ _6\"></span>e bal<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et da<span class=\"_ _6\"></span>te in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any and i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ies op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>te an<span class=\"_ _6\"></span>d gen<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>te ta<span class=\"_ _6\"></span>xa<span class=\"_ _6\"></span>ble i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me. M<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y eva<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>tes pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns ta<span class=\"_ _6\"></span>ken in tax ret<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ns wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span> respect t<span class=\"_ _0\"></span>o situations in wh<span class=\"_ _6\"></span>ich a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e t<span class=\"_ _6\"></span>ax reg<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on is su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ret<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g po<span class=\"_ _6\"></span>lici<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>ere are m<span class=\"_ _6\"></span>ech<span class=\"_ _6\"></span>ani<span class=\"_ _6\"></span>sms i<span class=\"_ _6\"></span>n pla<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>hat e<span class=\"_ _6\"></span>nsu<span class=\"_ _6\"></span>re subs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re remu<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>atel<span class=\"_ _6\"></span>y on a<span class=\"_ _6\"></span>n arm\u2019s l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>gt<span class=\"_ _6\"></span>h ba<span class=\"_ _6\"></span>sis for ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s provid<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>. It es<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>es provi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns, wh<span class=\"_ _6\"></span>ere ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate, bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n amou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s expe<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ted to be p<span class=\"_ _6\"></span>aid to t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ax au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>roup reg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>d and was gr<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ted a pat<span class=\"_ _6\"></span>ent wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the Pa<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to th<span class=\"_ _6\"></span>e dec<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l of th<span class=\"_ _6\"></span>e Glo<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>l Pla<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span> for Or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons. Lo<span class=\"_ _6\"></span>an inc<span class=\"_ _6\"></span>ome s<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>ams of th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss rel<span class=\"_ _6\"></span>ated<span class=\"_ _6\"></span> to thi<span class=\"_ _6\"></span>s dec<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>oni<span class=\"_ _6\"></span>ng mo<span class=\"_ _6\"></span>del q<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y for p<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t box tre<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t for UK cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n ta<span class=\"_ _6\"></span>x at a re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed r<span class=\"_ _6\"></span>ate of co<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span> rece<span class=\"_ _6\"></span>ives ex<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ra t<span class=\"_ _6\"></span>ax de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s agai<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>t tax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t for the<span class=\"_ _6\"></span> pro<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tio<span class=\"_ _6\"></span>n of pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>oc<span class=\"_ _6\"></span>ated to t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s for un<span class=\"_ _6\"></span>use<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>, ta<span class=\"_ _6\"></span>x cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>es are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t is pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>ble t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re ta<span class=\"_ _6\"></span>xab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>ll b<span class=\"_ _6\"></span>e avail<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nces c<span class=\"_ _6\"></span>an b<span class=\"_ _6\"></span>e u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d. De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on d<span class=\"_ _6\"></span>edu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>rar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g fro<span class=\"_ _6\"></span>m inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es, ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd j<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t arr<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s on<span class=\"_ _6\"></span>ly to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t is pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce w<span class=\"_ _6\"></span>ill rever<span class=\"_ _6\"></span>se in t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>re is su<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>xab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e temp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>n be u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed.<span class=\"_ _2f2\"> </span>De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es are p<span class=\"_ _6\"></span>rovide<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le tem<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g fro<span class=\"_ _6\"></span>m inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es, ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd j<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t arr<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s, exce<span class=\"_ _6\"></span>pt for a<span class=\"_ _6\"></span>ny defe<span class=\"_ _6\"></span>rred ta<span class=\"_ _6\"></span>x li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y whe<span class=\"_ _6\"></span>re th<span class=\"_ _6\"></span>e ti<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g of th<span class=\"_ _6\"></span>e revers<span class=\"_ _6\"></span>al of t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>mpo<span class=\"_ _6\"></span>rar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce is co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>led by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p and i<span class=\"_ _6\"></span>t is prob<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>e will n<span class=\"_ _6\"></span>ot reverse i<span class=\"_ _6\"></span>n the fore<span class=\"_ _6\"></span>see<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re.<span class=\"_ _2f2\"> </span>De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>et wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>here i<span class=\"_ _6\"></span>s a le<span class=\"_ _6\"></span>gal<span class=\"_ _6\"></span>ly e<span class=\"_ _6\"></span>nforce<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ri<span class=\"_ _6\"></span>ght t<span class=\"_ _6\"></span>o of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>et cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>rent t<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>x lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s and w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es rel<span class=\"_ _6\"></span>ate to in<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>me ta<span class=\"_ _6\"></span>xes l<span class=\"_ _6\"></span>evie<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e sam<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>xat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>n ei<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he sa<span class=\"_ _6\"></span>me t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y or di<span class=\"_ _6\"></span>f<span class=\"_ _5\"></span>ferent t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>ere is an i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion to s<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es on a ne<span class=\"_ _6\"></span>t bas<span class=\"_ _6\"></span>is.<span class=\"_ _2f2\"> </span>De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x is provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in fu<span class=\"_ _6\"></span>ll, u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e lia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y me<span class=\"_ _6\"></span>tho<span class=\"_ _6\"></span>d, o<span class=\"_ _6\"></span>n temp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>es ar<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x bas<span class=\"_ _6\"></span>es of as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s and li<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>. However, defer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax i<span class=\"_ _6\"></span>s not a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d for i<span class=\"_ _6\"></span>f it a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>es fro<span class=\"_ _6\"></span>m ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of an as<span class=\"_ _6\"></span>set o<span class=\"_ _6\"></span>r lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>n a tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an a bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess c<span class=\"_ _6\"></span>omb<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ti<span class=\"_ _6\"></span>me of t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ts n<span class=\"_ _6\"></span>ei<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>ccou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ing n<span class=\"_ _6\"></span>or t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss. De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>x rate<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>aws t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>ave be<span class=\"_ _6\"></span>en e<span class=\"_ _6\"></span>nac<span class=\"_ _6\"></span>ted o<span class=\"_ _6\"></span>r sub<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>tive<span class=\"_ _6\"></span>ly en<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e year-en<span class=\"_ _6\"></span>d da<span class=\"_ _6\"></span>te an<span class=\"_ _6\"></span>d are exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted to a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>ly wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x asse<span class=\"_ _6\"></span>t is rea<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed or t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y is s<span class=\"_ _6\"></span>et<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d. De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d t<span class=\"_ _6\"></span>ax ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces a<span class=\"_ _6\"></span>re not d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ted.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-379": {
   "value": "Dividends<span class=\"_ _2f2\"> </span>Di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d wh<span class=\"_ _6\"></span>en th<span class=\"_ _6\"></span>ey be<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>gal<span class=\"_ _6\"></span>ly p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>e, in a<span class=\"_ _6\"></span>ccord<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pan<span class=\"_ _6\"></span>ies Ac<span class=\"_ _6\"></span>t 200<span class=\"_ _6\"></span>6. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-427": {
   "value": "Intangibl<span class=\"_ _6\"></span>e assets<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h fi<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>te use<span class=\"_ _6\"></span>ful l<span class=\"_ _6\"></span>ives a<span class=\"_ _6\"></span>re amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on a st<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t-li<span class=\"_ _6\"></span>ne b<span class=\"_ _6\"></span>asis over t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted us<span class=\"_ _6\"></span>efu<span class=\"_ _6\"></span>l live<span class=\"_ _6\"></span>s. Use<span class=\"_ _6\"></span>ful live<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ds are revi<span class=\"_ _6\"></span>ewed a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e en<span class=\"_ _6\"></span>d of ea<span class=\"_ _6\"></span>ch ann<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d, or m<span class=\"_ _6\"></span>ore fre<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ly w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re is an i<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e as<span class=\"_ _6\"></span>set m<span class=\"_ _6\"></span>ay be im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>red, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct of a<span class=\"_ _6\"></span>ny cha<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>s acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ted for o<span class=\"_ _6\"></span>n a pros<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive bas<span class=\"_ _6\"></span>is. A<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e int<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gib<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>set is avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble fo<span class=\"_ _6\"></span>r use. T<span class=\"_ _6\"></span>he res<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f int<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gib<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts is as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>ed to b<span class=\"_ _6\"></span>e zero. Computer s<span class=\"_ _0\"></span>oftware licences<span class=\"_ _2f2\"> </span>Acq<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d com<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ter s<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re lic<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>es are c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he bas<span class=\"_ _6\"></span>is of t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d to ac<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>re and b<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng to us<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic so<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ware. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e cos<span class=\"_ _6\"></span>ts are a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sed ove<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e lice<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d, wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>s up to f<span class=\"_ _6\"></span>ive yea<span class=\"_ _6\"></span>rs as at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025.<span class=\"_ _2f2\"> </span>Capitalised de<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>elopment c<span class=\"_ _0\"></span>osts Cos<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h ma<span class=\"_ _6\"></span>int<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g com<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ter s<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>ms are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d as a<span class=\"_ _6\"></span>n expe<span class=\"_ _6\"></span>nse as i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. Deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt cos<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t are di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y at<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e des<span class=\"_ _6\"></span>ign, bu<span class=\"_ _6\"></span>ild a<span class=\"_ _6\"></span>nd tes<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>f ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e and u<span class=\"_ _6\"></span>niq<span class=\"_ _6\"></span>ue so<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a are me<span class=\"_ _6\"></span>t: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls69 wsb9\">it is te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>lly fe<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>ble to co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>let<span class=\"_ _6\"></span>e the b<span class=\"_ _6\"></span>uil<span class=\"_ _6\"></span>d of th<span class=\"_ _6\"></span>e pla<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm </span></span>pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>o th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>hey wi<span class=\"_ _6\"></span>ll be av<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e for us<span class=\"_ _6\"></span>e; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>tend<span class=\"_ _6\"></span>s to com<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ete t<span class=\"_ _6\"></span>he bu<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>d of th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm </span></span>pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r use w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re is an a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y to u<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he pl<span class=\"_ _6\"></span>at<span class=\"_ _5\"></span>form p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>t c<span class=\"_ _6\"></span>an b<span class=\"_ _6\"></span>e dem<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d how t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>lat<span class=\"_ _5\"></span>form p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>ll </span></span>ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ts; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ate te<span class=\"_ _6\"></span>chni<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l, f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>sou<span class=\"_ _6\"></span>rces to </span></span>com<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ete t<span class=\"_ _6\"></span>he deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d to use t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts are avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble; a<span class=\"_ _6\"></span>nd <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure at<span class=\"_ _5\"></span>tri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g </span></span>it<span class=\"_ _6\"></span>s deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt c<span class=\"_ _6\"></span>an be re<span class=\"_ _6\"></span>lia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>y meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tly a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ble c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re cap<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tal<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he sof<span class=\"_ _5\"></span>tw<span class=\"_ _6\"></span>are pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re devel<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>r cos<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. The c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyee cos<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>s bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt o<span class=\"_ _6\"></span>f tim<span class=\"_ _6\"></span>e sp<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>n sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch me<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>he cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a as a pro<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir to<span class=\"_ _6\"></span>tal t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e, and t<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>s pro<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tio<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r sa<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>rel<span class=\"_ _6\"></span>ated c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts is a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ute<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he applicable projects.<span class=\"_ _2f2\"> </span>O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt exp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re tha<span class=\"_ _6\"></span>t do<span class=\"_ _6\"></span>es no<span class=\"_ _6\"></span>t me<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a is reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as an ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>se as in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>. Devel<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>s an exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e are no<span class=\"_ _6\"></span>t rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as an as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t in a su<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod<span class=\"_ _6\"></span>. Ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>orde<span class=\"_ _6\"></span>d as in<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>int a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et is rea<span class=\"_ _6\"></span>dy for us<span class=\"_ _6\"></span>e over th<span class=\"_ _6\"></span>ei<span class=\"_ _6\"></span>r est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d usef<span class=\"_ _6\"></span>ul l<span class=\"_ _6\"></span>ives, r<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g from th<span class=\"_ _6\"></span>ree to f<span class=\"_ _6\"></span>ive yea<span class=\"_ _6\"></span>rs. Other intangibles<span class=\"_ _2f2\"> </span>O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er in<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es rel<span class=\"_ _6\"></span>ate to t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>olo<span class=\"_ _6\"></span>gy p<span class=\"_ _6\"></span>lat<span class=\"_ _5\"></span>form a<span class=\"_ _6\"></span>nd customer r<span class=\"_ _0\"></span>elationship (<span class=\"_ _0\"></span>repr<span class=\"_ _0\"></span>esenting f<span class=\"_ _0\"></span>ees due<span class=\"_ _0\"></span> on contracted lo<span class=\"_ _6\"></span>ans ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to be re<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e forese<span class=\"_ _6\"></span>ea<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re) acq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>red on a b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. The<span class=\"_ _6\"></span>se cos<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d over t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d use<span class=\"_ _6\"></span>ful l<span class=\"_ _6\"></span>ives, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h do no<span class=\"_ _6\"></span>t excee<span class=\"_ _6\"></span>d t<span class=\"_ _6\"></span>hree ye<span class=\"_ _6\"></span>ars.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-380": {
   "value": "Intangibl<span class=\"_ _6\"></span>e assets<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h fi<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>te use<span class=\"_ _6\"></span>ful l<span class=\"_ _6\"></span>ives a<span class=\"_ _6\"></span>re amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on a st<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t-li<span class=\"_ _6\"></span>ne b<span class=\"_ _6\"></span>asis over t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted us<span class=\"_ _6\"></span>efu<span class=\"_ _6\"></span>l live<span class=\"_ _6\"></span>s. Use<span class=\"_ _6\"></span>ful live<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ds are revi<span class=\"_ _6\"></span>ewed a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e en<span class=\"_ _6\"></span>d of ea<span class=\"_ _6\"></span>ch ann<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d, or m<span class=\"_ _6\"></span>ore fre<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ly w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re is an i<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e as<span class=\"_ _6\"></span>set m<span class=\"_ _6\"></span>ay be im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>red, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct of a<span class=\"_ _6\"></span>ny cha<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>s acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ted for o<span class=\"_ _6\"></span>n a pros<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive bas<span class=\"_ _6\"></span>is. A<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e int<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gib<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>set is avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble fo<span class=\"_ _6\"></span>r use. T<span class=\"_ _6\"></span>he res<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f int<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gib<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts is as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>ed to b<span class=\"_ _6\"></span>e zero. Computer s<span class=\"_ _0\"></span>oftware licences<span class=\"_ _2f2\"> </span>Acq<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d com<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ter s<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re lic<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>es are c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he bas<span class=\"_ _6\"></span>is of t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d to ac<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>re and b<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng to us<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic so<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ware. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e cos<span class=\"_ _6\"></span>ts are a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sed ove<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e lice<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d, wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>s up to f<span class=\"_ _6\"></span>ive yea<span class=\"_ _6\"></span>rs as at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025.<span class=\"_ _2f2\"> </span>Capitalised de<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>elopment c<span class=\"_ _0\"></span>osts Cos<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h ma<span class=\"_ _6\"></span>int<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g com<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ter s<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>ms are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d as a<span class=\"_ _6\"></span>n expe<span class=\"_ _6\"></span>nse as i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. Deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt cos<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t are di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y at<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e des<span class=\"_ _6\"></span>ign, bu<span class=\"_ _6\"></span>ild a<span class=\"_ _6\"></span>nd tes<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>f ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e and u<span class=\"_ _6\"></span>niq<span class=\"_ _6\"></span>ue so<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a are me<span class=\"_ _6\"></span>t: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls69 wsb9\">it is te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>lly fe<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>ble to co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>let<span class=\"_ _6\"></span>e the b<span class=\"_ _6\"></span>uil<span class=\"_ _6\"></span>d of th<span class=\"_ _6\"></span>e pla<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm </span></span>pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>o th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>hey wi<span class=\"_ _6\"></span>ll be av<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e for us<span class=\"_ _6\"></span>e; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>tend<span class=\"_ _6\"></span>s to com<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ete t<span class=\"_ _6\"></span>he bu<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>d of th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm </span></span>pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r use w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re is an a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y to u<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he pl<span class=\"_ _6\"></span>at<span class=\"_ _5\"></span>form p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>t c<span class=\"_ _6\"></span>an b<span class=\"_ _6\"></span>e dem<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d how t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>lat<span class=\"_ _5\"></span>form p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>ll </span></span>ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ts; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ate te<span class=\"_ _6\"></span>chni<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l, f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>sou<span class=\"_ _6\"></span>rces to </span></span>com<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ete t<span class=\"_ _6\"></span>he deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d to use t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts are avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble; a<span class=\"_ _6\"></span>nd <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure at<span class=\"_ _5\"></span>tri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g </span></span>it<span class=\"_ _6\"></span>s deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt c<span class=\"_ _6\"></span>an be re<span class=\"_ _6\"></span>lia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>y meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tly a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ble c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re cap<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tal<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he sof<span class=\"_ _5\"></span>tw<span class=\"_ _6\"></span>are pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re devel<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>r cos<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. The c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyee cos<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>s bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt o<span class=\"_ _6\"></span>f tim<span class=\"_ _6\"></span>e sp<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>n sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch me<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>he cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a as a pro<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir to<span class=\"_ _6\"></span>tal t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e, and t<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>s pro<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tio<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r sa<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>rel<span class=\"_ _6\"></span>ated c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts is a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ute<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he applicable projects.<span class=\"_ _2f2\"> </span>O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt exp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re tha<span class=\"_ _6\"></span>t do<span class=\"_ _6\"></span>es no<span class=\"_ _6\"></span>t me<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a is reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as an ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>se as in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>. Devel<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>s an exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e are no<span class=\"_ _6\"></span>t rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as an as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t in a su<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod<span class=\"_ _6\"></span>. Ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>orde<span class=\"_ _6\"></span>d as in<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>int a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et is rea<span class=\"_ _6\"></span>dy for us<span class=\"_ _6\"></span>e over th<span class=\"_ _6\"></span>ei<span class=\"_ _6\"></span>r est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d usef<span class=\"_ _6\"></span>ul l<span class=\"_ _6\"></span>ives, r<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g from th<span class=\"_ _6\"></span>ree to f<span class=\"_ _6\"></span>ive yea<span class=\"_ _6\"></span>rs. Other intangibles<span class=\"_ _2f2\"> </span>O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er in<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es rel<span class=\"_ _6\"></span>ate to t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>olo<span class=\"_ _6\"></span>gy p<span class=\"_ _6\"></span>lat<span class=\"_ _5\"></span>form a<span class=\"_ _6\"></span>nd customer r<span class=\"_ _0\"></span>elationship (<span class=\"_ _0\"></span>repr<span class=\"_ _0\"></span>esenting f<span class=\"_ _0\"></span>ees due<span class=\"_ _0\"></span> on contracted lo<span class=\"_ _6\"></span>ans ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to be re<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e forese<span class=\"_ _6\"></span>ea<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re) acq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>red on a b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. The<span class=\"_ _6\"></span>se cos<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d over t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d use<span class=\"_ _6\"></span>ful l<span class=\"_ _6\"></span>ives, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h do no<span class=\"_ _6\"></span>t excee<span class=\"_ _6\"></span>d t<span class=\"_ _6\"></span>hree ye<span class=\"_ _6\"></span>ars.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-456": {
   "value": "Capitalised de<span class=\"_ _0\"></span>v<span class=\"_ _0\"></span>elopment c<span class=\"_ _0\"></span>osts Cos<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h ma<span class=\"_ _6\"></span>int<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g com<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ter s<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>ms are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d as a<span class=\"_ _6\"></span>n expe<span class=\"_ _6\"></span>nse as i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. Deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt cos<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t are di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y at<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e des<span class=\"_ _6\"></span>ign, bu<span class=\"_ _6\"></span>ild a<span class=\"_ _6\"></span>nd tes<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>f ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e and u<span class=\"_ _6\"></span>niq<span class=\"_ _6\"></span>ue so<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a are me<span class=\"_ _6\"></span>t: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls69 wsb9\">it is te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>lly fe<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>ble to co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>let<span class=\"_ _6\"></span>e the b<span class=\"_ _6\"></span>uil<span class=\"_ _6\"></span>d of th<span class=\"_ _6\"></span>e pla<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm </span></span>pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>o th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>hey wi<span class=\"_ _6\"></span>ll be av<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e for us<span class=\"_ _6\"></span>e; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>tend<span class=\"_ _6\"></span>s to com<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ete t<span class=\"_ _6\"></span>he bu<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>d of th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm </span></span>pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r use w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re is an a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y to u<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he pl<span class=\"_ _6\"></span>at<span class=\"_ _5\"></span>form p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>t c<span class=\"_ _6\"></span>an b<span class=\"_ _6\"></span>e dem<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d how t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>lat<span class=\"_ _5\"></span>form p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>ll </span></span>ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ts; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ate te<span class=\"_ _6\"></span>chni<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l, f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>sou<span class=\"_ _6\"></span>rces to </span></span>com<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ete t<span class=\"_ _6\"></span>he deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d to use t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts are avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble; a<span class=\"_ _6\"></span>nd <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure at<span class=\"_ _5\"></span>tri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g </span></span>it<span class=\"_ _6\"></span>s deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt c<span class=\"_ _6\"></span>an be re<span class=\"_ _6\"></span>lia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>y meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tly a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ble c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re cap<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tal<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he sof<span class=\"_ _5\"></span>tw<span class=\"_ _6\"></span>are pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re devel<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>r cos<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. The c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyee cos<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>s bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt o<span class=\"_ _6\"></span>f tim<span class=\"_ _6\"></span>e sp<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>n sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch me<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>he cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a as a pro<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir to<span class=\"_ _6\"></span>tal t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e, and t<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>s pro<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tio<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r sa<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>rel<span class=\"_ _6\"></span>ated c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts is a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ute<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he applicable projects.<span class=\"_ _2f2\"> </span>O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt exp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re tha<span class=\"_ _6\"></span>t do<span class=\"_ _6\"></span>es no<span class=\"_ _6\"></span>t me<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a is reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as an ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>se as in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>. Devel<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>s an exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e are no<span class=\"_ _6\"></span>t rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as an as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t in a su<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod<span class=\"_ _6\"></span>. Ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>orde<span class=\"_ _6\"></span>d as in<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>rom th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>int a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et is rea<span class=\"_ _6\"></span>dy for us<span class=\"_ _6\"></span>e over th<span class=\"_ _6\"></span>ei<span class=\"_ _6\"></span>r est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d usef<span class=\"_ _6\"></span>ul l<span class=\"_ _6\"></span>ives, r<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g from th<span class=\"_ _6\"></span>ree to f<span class=\"_ _6\"></span>ive yea<span class=\"_ _6\"></span>rs. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForResearchAndDevelopmentExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-381": {
   "value": "T<span class=\"_ _b\"></span>angible fix<span class=\"_ _0\"></span>ed a<span class=\"_ _0\"></span>ssets<span class=\"_ _2f2\"> </span>T<span class=\"_ _b\"></span>a<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>xed as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts are s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>t les<span class=\"_ _6\"></span>s de<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n an<span class=\"_ _6\"></span>d any<span class=\"_ _0\"></span> pr<span class=\"_ _0\"></span>ovi<span class=\"_ _0\"></span>sion f<span class=\"_ _0\"></span>or impa<span class=\"_ _0\"></span>irment. Deprec<span class=\"_ _0\"></span>iation is<span class=\"_ _0\"></span> pro<span class=\"_ _0\"></span>vided<span class=\"_ _0\"></span> on all<span class=\"_ _0\"></span> ta<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>xed as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts, a<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to wr<span class=\"_ _6\"></span>ite o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>he cos<span class=\"_ _6\"></span>t les<span class=\"_ _6\"></span>s es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>d resi<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>al va<span class=\"_ _6\"></span>lue of e<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>h asse<span class=\"_ _6\"></span>t on a s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>aig<span class=\"_ _6\"></span>ht-l<span class=\"_ _6\"></span>ine bas<span class=\"_ _6\"></span>is over i<span class=\"_ _6\"></span>ts ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d use<span class=\"_ _6\"></span>ful l<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>fe, as foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span>Co<span class=\"_ _6\"></span>mpu<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r equ<span class=\"_ _6\"></span>ip<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t <span class=\"_ _83\"> </span>1<span class=\"_ _6\"></span>\u20133 yea<span class=\"_ _6\"></span>rs Furn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ure an<span class=\"_ _6\"></span>d f<span class=\"_ _6\"></span>ix<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ures <span class=\"_ _83\"> </span>3\u2013<span class=\"_ _6\"></span>5 ye<span class=\"_ _6\"></span>ars<span class=\"_ _2f2\"> </span>Lease<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ld im<span class=\"_ _6\"></span>provem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at q<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>s an ass<span class=\"_ _6\"></span>et are m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured a<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d are pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ted as p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>f pro<span class=\"_ _6\"></span>per<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _b\"></span>, p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d eq<span class=\"_ _6\"></span>uip<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s se<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t. D<span class=\"_ _6\"></span>epre<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on o<span class=\"_ _6\"></span>n lea<span class=\"_ _6\"></span>seh<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d imp<span class=\"_ _6\"></span>roveme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s is ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed us<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d over th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase te<span class=\"_ _6\"></span>rm.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-428": {
   "value": "T<span class=\"_ _b\"></span>a<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>xed as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts are s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>t les<span class=\"_ _6\"></span>s de<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n an<span class=\"_ _6\"></span>d any<span class=\"_ _0\"></span> pr<span class=\"_ _0\"></span>ovi<span class=\"_ _0\"></span>sion f<span class=\"_ _0\"></span>or impa<span class=\"_ _0\"></span>irment. Deprec<span class=\"_ _0\"></span>iation is<span class=\"_ _0\"></span> pro<span class=\"_ _0\"></span>vided<span class=\"_ _0\"></span> on all<span class=\"_ _0\"></span> ta<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>xed as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts, a<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to wr<span class=\"_ _6\"></span>ite o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>he cos<span class=\"_ _6\"></span>t les<span class=\"_ _6\"></span>s es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>d resi<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>al va<span class=\"_ _6\"></span>lue of e<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>h asse<span class=\"_ _6\"></span>t on a s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>aig<span class=\"_ _6\"></span>ht-l<span class=\"_ _6\"></span>ine bas<span class=\"_ _6\"></span>is over i<span class=\"_ _6\"></span>ts ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d use<span class=\"_ _6\"></span>ful l<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>fe, as foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span>Co<span class=\"_ _6\"></span>mpu<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r equ<span class=\"_ _6\"></span>ip<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t <span class=\"_ _83\"> </span>1<span class=\"_ _6\"></span>\u20133 yea<span class=\"_ _6\"></span>rs Furn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ure an<span class=\"_ _6\"></span>d f<span class=\"_ _6\"></span>ix<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ures <span class=\"_ _83\"> </span>3\u2013<span class=\"_ _6\"></span>5 ye<span class=\"_ _6\"></span>ars<span class=\"_ _2f2\"> </span>Lease<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ld im<span class=\"_ _6\"></span>provem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at q<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>s an ass<span class=\"_ _6\"></span>et are m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured a<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d are pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ted as p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>f pro<span class=\"_ _6\"></span>per<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _b\"></span>, p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d eq<span class=\"_ _6\"></span>uip<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s se<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t. D<span class=\"_ _6\"></span>epre<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on o<span class=\"_ _6\"></span>n lea<span class=\"_ _6\"></span>seh<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d imp<span class=\"_ _6\"></span>roveme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s is ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed us<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d over th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase te<span class=\"_ _6\"></span>rm.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-457": {
   "value": "Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e and i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts n<span class=\"_ _6\"></span>ot rea<span class=\"_ _6\"></span>dy to us<span class=\"_ _6\"></span>e are no<span class=\"_ _6\"></span>t su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd are te<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>d ann<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ly for i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. A<span class=\"_ _6\"></span>ss<span class=\"_ _6\"></span>ets th<span class=\"_ _6\"></span>at are s<span class=\"_ _6\"></span>ubj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>re reviewe<span class=\"_ _6\"></span>d for i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>irm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t whe<span class=\"_ _6\"></span>never eve<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>r ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es in c<span class=\"_ _6\"></span>ircum<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt may n<span class=\"_ _6\"></span>ot be re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e. An i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt los<span class=\"_ _6\"></span>s is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d for t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt by whi<span class=\"_ _6\"></span>ch t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>\u2019s ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt exce<span class=\"_ _6\"></span>eds i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s recover<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t. Re<span class=\"_ _6\"></span>covera<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt i<span class=\"_ _6\"></span>s the h<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>her of f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e les<span class=\"_ _6\"></span>s cos<span class=\"_ _6\"></span>ts to se<span class=\"_ _6\"></span>ll an<span class=\"_ _6\"></span>d valu<span class=\"_ _6\"></span>e in u<span class=\"_ _6\"></span>se. In as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ng val<span class=\"_ _6\"></span>ue i<span class=\"_ _6\"></span>n use, t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re cas<span class=\"_ _6\"></span>h flow<span class=\"_ _6\"></span>s are disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ted to th<span class=\"_ _6\"></span>eir p<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>t val<span class=\"_ _6\"></span>ue usi<span class=\"_ _6\"></span>ng a pre<span class=\"_ _6\"></span>-t<span class=\"_ _6\"></span>ax d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt r<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>hat re<span class=\"_ _6\"></span>fl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ts cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt ma<span class=\"_ _6\"></span>rket as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>sm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of t<span class=\"_ _6\"></span>he ti<span class=\"_ _6\"></span>me va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f mon<span class=\"_ _6\"></span>ey an<span class=\"_ _6\"></span>d the r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>s spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c to th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et for wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows h<span class=\"_ _6\"></span>ave not be<span class=\"_ _6\"></span>en a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>If t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t of an as<span class=\"_ _6\"></span>set (o<span class=\"_ _6\"></span>r CGU) i<span class=\"_ _6\"></span>s est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to be l<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt, t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et (or C<span class=\"_ _6\"></span>GU) is re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed to i<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t. A<span class=\"_ _6\"></span>n imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt l<span class=\"_ _6\"></span>oss is re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>atel<span class=\"_ _6\"></span>y in t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt of comprehen<span class=\"_ _0\"></span>sive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>A previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>s reverse<span class=\"_ _6\"></span>d on<span class=\"_ _6\"></span>ly i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ere ha<span class=\"_ _6\"></span>s bee<span class=\"_ _6\"></span>n a cha<span class=\"_ _6\"></span>nge i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates us<span class=\"_ _6\"></span>ed to d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ne th<span class=\"_ _6\"></span>e asse<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>\u2019s recove<span class=\"_ _6\"></span>rab<span class=\"_ _6\"></span>le am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t sin<span class=\"_ _6\"></span>ce th<span class=\"_ _6\"></span>e las<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt lo<span class=\"_ _6\"></span>ss was re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed. I<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>his wa<span class=\"_ _6\"></span>s the c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>e, the c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he ass<span class=\"_ _6\"></span>et (or C<span class=\"_ _6\"></span>GU) is i<span class=\"_ _6\"></span>ncre<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e revise<span class=\"_ _6\"></span>d es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>e of i<span class=\"_ _6\"></span>ts rec<span class=\"_ _6\"></span>overab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt, b<span class=\"_ _6\"></span>ut s<span class=\"_ _6\"></span>o tha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>rease<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t doe<span class=\"_ _6\"></span>s not exce<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>hat wo<span class=\"_ _6\"></span>uld h<span class=\"_ _6\"></span>ave be<span class=\"_ _6\"></span>en de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed ha<span class=\"_ _6\"></span>d no im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>irm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e asse<span class=\"_ _6\"></span>t (or CG<span class=\"_ _6\"></span>U) in pr<span class=\"_ _6\"></span>ior ye<span class=\"_ _6\"></span>ars. A rever<span class=\"_ _6\"></span>sal o<span class=\"_ _6\"></span>f an imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt los<span class=\"_ _6\"></span>s is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>med<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>tely i<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or lo<span class=\"_ _6\"></span>ss.<span class=\"_ _2f2\"> </span>Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>f IFRS 9. The I<span class=\"_ _6\"></span>FRS 9 imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l req<span class=\"_ _6\"></span>uires a t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e-s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>age a<span class=\"_ _6\"></span>ppro<span class=\"_ _6\"></span>ach: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 inc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>des f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have no<span class=\"_ _6\"></span>t had a </span></span>signific<span class=\"_ _6\"></span>ant inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> in cr<span class=\"_ _0\"></span>edit risk since<span class=\"_ _0\"></span> initial recognition or th<span class=\"_ _6\"></span>at have l<span class=\"_ _6\"></span>ow cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k at th<span class=\"_ _6\"></span>e rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g dat<span class=\"_ _6\"></span>e. For th<span class=\"_ _6\"></span>ese ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s, 12-mon<span class=\"_ _6\"></span>th ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ses (\u201c<span class=\"_ _6\"></span>ECL<span class=\"_ _6\"></span>s\u201d) (<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>at is, exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es ar<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e nex<span class=\"_ _6\"></span>t 12 mon<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>s) are reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>st in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ted on t<span class=\"_ _6\"></span>he gro<span class=\"_ _6\"></span>ss c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt of t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t (th<span class=\"_ _6\"></span>at is<span class=\"_ _6\"></span>, wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce)<span class=\"_ _0\"></span>.  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2 ls3d ws47\">S<span class=\"_ _6\"></span>tage 2 includes financial<span class=\"_ _0\"></span> instruments that ha<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span> had a </span></span>signific<span class=\"_ _6\"></span>ant inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> in cr<span class=\"_ _0\"></span>edit risk since<span class=\"_ _0\"></span> initial recognition (unl<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>hey h<span class=\"_ _6\"></span>ave low cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k at t<span class=\"_ _6\"></span>he rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g da<span class=\"_ _6\"></span>te) but are no<span class=\"_ _6\"></span>t cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d. Fo<span class=\"_ _6\"></span>r the<span class=\"_ _6\"></span>se as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECLs (<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>at is, ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t over t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t) are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed, a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is st<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he g<span class=\"_ _6\"></span>ross c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>unt o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>roup as<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>mes t<span class=\"_ _6\"></span>here h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en a s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k i<span class=\"_ _6\"></span>f ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s excee<span class=\"_ _6\"></span>d 30 d<span class=\"_ _6\"></span>ays pas<span class=\"_ _6\"></span>t du<span class=\"_ _6\"></span>e, in li<span class=\"_ _6\"></span>ne wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e reb<span class=\"_ _6\"></span>ut<span class=\"_ _5\"></span>tab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>resum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion p<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 9, or w<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk s<span class=\"_ _6\"></span>core of t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r is ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d to have de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ior<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d above a cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>resh<span class=\"_ _6\"></span>old re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to the<span class=\"_ _6\"></span>ir sc<span class=\"_ _6\"></span>ore at o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>, at wh<span class=\"_ _6\"></span>ich p<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>he ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to be s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2. <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">St<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 3 cons<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>s of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l asse<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>at are cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d, </span></span>whi<span class=\"_ _6\"></span>ch is w<span class=\"_ _6\"></span>hen o<span class=\"_ _6\"></span>ne o<span class=\"_ _6\"></span>r more even<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have a de<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ime<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>al imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et have occu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. For th<span class=\"_ _6\"></span>ese ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _6\"></span>s are also reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed<span class=\"_ _6\"></span>, bu<span class=\"_ _6\"></span>t inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t inc<span class=\"_ _6\"></span>ome i<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>et ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt (t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t is, ne<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ECL a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce)<span class=\"_ _0\"></span>. The Gro<span class=\"_ _6\"></span>up de<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>nes a d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t, cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3, as a<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>et wi<span class=\"_ _6\"></span>th any ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s excee<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g a 90<span class=\"_ _6\"></span>-d<span class=\"_ _6\"></span>ay due da<span class=\"_ _6\"></span>te, whi<span class=\"_ _6\"></span>ch ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e poi<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to be d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted. A<span class=\"_ _6\"></span>n ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt th<span class=\"_ _6\"></span>at is d<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>d to be f<span class=\"_ _6\"></span>rau<span class=\"_ _6\"></span>dul<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t (i.e. th<span class=\"_ _6\"></span>ird p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n fra<span class=\"_ _6\"></span>ud) is w<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f a<span class=\"_ _6\"></span>t poi<span class=\"_ _6\"></span>nt of identif<span class=\"_ _6\"></span>ication. <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls2b ws66\">In som<span class=\"_ _6\"></span>e circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces wh<span class=\"_ _6\"></span>ere as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s are bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k by </span></span>th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p, the f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>se me<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f purc<span class=\"_ _6\"></span>hase<span class=\"_ _6\"></span>d or o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red (\u201c<span class=\"_ _6\"></span>PO<span class=\"_ _6\"></span>CI<span class=\"_ _6\"></span>\u201d), and i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t is t<span class=\"_ _6\"></span>here<span class=\"_ _6\"></span>fore ba<span class=\"_ _6\"></span>sed on l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s on a for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e expe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>ses as<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>ed wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h it<span class=\"_ _6\"></span>s fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s car<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ed at amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t and rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s a <span class=\"_ _0\"></span>los<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce for su<span class=\"_ _6\"></span>ch los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span> at e<span class=\"_ _6\"></span>ach rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g da<span class=\"_ _6\"></span>te. The m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt of E<span class=\"_ _6\"></span>CLs ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>n un<span class=\"_ _6\"></span>bias<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>weig<span class=\"_ _6\"></span>hte<span class=\"_ _6\"></span>d amo<span class=\"_ _6\"></span>unt t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t is </span></span>de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by eval<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g a ra<span class=\"_ _6\"></span>nge o<span class=\"_ _6\"></span>f pos<span class=\"_ _6\"></span>sib<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>utc<span class=\"_ _6\"></span>ome<span class=\"_ _6\"></span>s; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>ue of m<span class=\"_ _6\"></span>oney; a<span class=\"_ _6\"></span>nd</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>nd su<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>at is avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e </span></span>wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>due c<span class=\"_ _6\"></span>ost o<span class=\"_ _6\"></span>r ef<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>ate ab<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t pas<span class=\"_ _6\"></span>t even<span class=\"_ _6\"></span>ts, cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure economic c<span class=\"_ _0\"></span>onditions.<span class=\"_ _2f2\"> </span>If i<span class=\"_ _6\"></span>n a sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>n be rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d ob<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely to a<span class=\"_ _6\"></span>n event o<span class=\"_ _6\"></span>ccu<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t was re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed, t<span class=\"_ _6\"></span>he previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>s reverse<span class=\"_ _6\"></span>d, to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et d<span class=\"_ _6\"></span>oes n<span class=\"_ _6\"></span>ot exce<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>ts amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he rever<span class=\"_ _6\"></span>sal d<span class=\"_ _6\"></span>ate. A<span class=\"_ _6\"></span>ny sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt revers<span class=\"_ _6\"></span>al of an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt of comprehen<span class=\"_ _0\"></span>sive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-382": {
   "value": "Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e and i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts n<span class=\"_ _6\"></span>ot rea<span class=\"_ _6\"></span>dy to us<span class=\"_ _6\"></span>e are no<span class=\"_ _6\"></span>t su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd are te<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>d ann<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ly for i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. A<span class=\"_ _6\"></span>ss<span class=\"_ _6\"></span>ets th<span class=\"_ _6\"></span>at are s<span class=\"_ _6\"></span>ubj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>re reviewe<span class=\"_ _6\"></span>d for i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>irm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t whe<span class=\"_ _6\"></span>never eve<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>r ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es in c<span class=\"_ _6\"></span>ircum<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt may n<span class=\"_ _6\"></span>ot be re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e. An i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt los<span class=\"_ _6\"></span>s is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d for t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt by whi<span class=\"_ _6\"></span>ch t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>\u2019s ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt exce<span class=\"_ _6\"></span>eds i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s recover<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t. Re<span class=\"_ _6\"></span>covera<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt i<span class=\"_ _6\"></span>s the h<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>her of f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e les<span class=\"_ _6\"></span>s cos<span class=\"_ _6\"></span>ts to se<span class=\"_ _6\"></span>ll an<span class=\"_ _6\"></span>d valu<span class=\"_ _6\"></span>e in u<span class=\"_ _6\"></span>se. In as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ng val<span class=\"_ _6\"></span>ue i<span class=\"_ _6\"></span>n use, t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re cas<span class=\"_ _6\"></span>h flow<span class=\"_ _6\"></span>s are disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ted to th<span class=\"_ _6\"></span>eir p<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>t val<span class=\"_ _6\"></span>ue usi<span class=\"_ _6\"></span>ng a pre<span class=\"_ _6\"></span>-t<span class=\"_ _6\"></span>ax d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt r<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>hat re<span class=\"_ _6\"></span>fl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ts cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt ma<span class=\"_ _6\"></span>rket as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>sm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of t<span class=\"_ _6\"></span>he ti<span class=\"_ _6\"></span>me va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f mon<span class=\"_ _6\"></span>ey an<span class=\"_ _6\"></span>d the r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>s spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c to th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et for wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows h<span class=\"_ _6\"></span>ave not be<span class=\"_ _6\"></span>en a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>If t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t of an as<span class=\"_ _6\"></span>set (o<span class=\"_ _6\"></span>r CGU) i<span class=\"_ _6\"></span>s est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to be l<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt, t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et (or C<span class=\"_ _6\"></span>GU) is re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed to i<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t. A<span class=\"_ _6\"></span>n imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt l<span class=\"_ _6\"></span>oss is re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>atel<span class=\"_ _6\"></span>y in t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt of comprehen<span class=\"_ _0\"></span>sive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>A previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>s reverse<span class=\"_ _6\"></span>d on<span class=\"_ _6\"></span>ly i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ere ha<span class=\"_ _6\"></span>s bee<span class=\"_ _6\"></span>n a cha<span class=\"_ _6\"></span>nge i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates us<span class=\"_ _6\"></span>ed to d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ne th<span class=\"_ _6\"></span>e asse<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>\u2019s recove<span class=\"_ _6\"></span>rab<span class=\"_ _6\"></span>le am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t sin<span class=\"_ _6\"></span>ce th<span class=\"_ _6\"></span>e las<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt lo<span class=\"_ _6\"></span>ss was re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed. I<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>his wa<span class=\"_ _6\"></span>s the c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>e, the c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he ass<span class=\"_ _6\"></span>et (or C<span class=\"_ _6\"></span>GU) is i<span class=\"_ _6\"></span>ncre<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e revise<span class=\"_ _6\"></span>d es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>e of i<span class=\"_ _6\"></span>ts rec<span class=\"_ _6\"></span>overab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt, b<span class=\"_ _6\"></span>ut s<span class=\"_ _6\"></span>o tha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>rease<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t doe<span class=\"_ _6\"></span>s not exce<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>hat wo<span class=\"_ _6\"></span>uld h<span class=\"_ _6\"></span>ave be<span class=\"_ _6\"></span>en de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed ha<span class=\"_ _6\"></span>d no im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>irm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e asse<span class=\"_ _6\"></span>t (or CG<span class=\"_ _6\"></span>U) in pr<span class=\"_ _6\"></span>ior ye<span class=\"_ _6\"></span>ars. A rever<span class=\"_ _6\"></span>sal o<span class=\"_ _6\"></span>f an imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt los<span class=\"_ _6\"></span>s is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>med<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>tely i<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or lo<span class=\"_ _6\"></span>ss.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-383": {
   "value": "Leases<span class=\"_ _2f2\"> </span>At in<span class=\"_ _6\"></span>cep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of a c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>her o<span class=\"_ _6\"></span>r no<span class=\"_ _6\"></span>t a cont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct is<span class=\"_ _6\"></span>, or con<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ins, a l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e. A cont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct is, o<span class=\"_ _6\"></span>r con<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ins, a le<span class=\"_ _6\"></span>ase i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t conveys th<span class=\"_ _6\"></span>e ri<span class=\"_ _6\"></span>ght to c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>rol t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>se of an i<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>et for a p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod o<span class=\"_ _6\"></span>f ti<span class=\"_ _6\"></span>me in exch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge for con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on. W<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>n a le<span class=\"_ _6\"></span>ase is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in a c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s a rig<span class=\"_ _6\"></span>ht-<span class=\"_ _6\"></span>of-use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t and a l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y at the lea<span class=\"_ _0\"></span>se com<span class=\"_ _0\"></span>mencement dat<span class=\"_ _0\"></span>e.<span class=\"_ _2f2\"> </span>Ri<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>of-us<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>re ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>red at c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>, co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>urem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f the l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, less a<span class=\"_ _6\"></span>ny leas<span class=\"_ _6\"></span>e in<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>tive<span class=\"_ _6\"></span>s. Sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, rig<span class=\"_ _6\"></span>ht-o<span class=\"_ _6\"></span>f-use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts are m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured a<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>t, l<span class=\"_ _6\"></span>ess a<span class=\"_ _6\"></span>ny accu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>prec<span class=\"_ _6\"></span>iat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and a<span class=\"_ _6\"></span>ny accu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es, an<span class=\"_ _6\"></span>d are ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d for ce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>in reme<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Dep<span class=\"_ _6\"></span>reci<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n is ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed on a s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rai<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>is over t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>th o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e lea<span class=\"_ _6\"></span>se.<span class=\"_ _2f2\"> </span>Lia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s ar<span class=\"_ _6\"></span>isin<span class=\"_ _6\"></span>g fro<span class=\"_ _6\"></span>m a lea<span class=\"_ _6\"></span>se are i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tia<span class=\"_ _6\"></span>lly m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d on a pres<span class=\"_ _6\"></span>ent v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>is. Lea<span class=\"_ _6\"></span>se li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de t<span class=\"_ _6\"></span>he ne<span class=\"_ _6\"></span>t pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">f<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>xed pay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts l<span class=\"_ _6\"></span>ess a<span class=\"_ _6\"></span>ny leas<span class=\"_ _6\"></span>e inc<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ives re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">v<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le le<span class=\"_ _6\"></span>ase p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s bas<span class=\"_ _6\"></span>ed on a<span class=\"_ _6\"></span>n in<span class=\"_ _6\"></span>dex or a r<span class=\"_ _6\"></span>ate, i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y </span></span>me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d usi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>dex o<span class=\"_ _6\"></span>r rate a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e com<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>te;<span class=\"_ _6\"></span> an<span class=\"_ _6\"></span>d <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted to b<span class=\"_ _6\"></span>e paya<span class=\"_ _6\"></span>ble by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er </span></span>residual v<span class=\"_ _0\"></span>alue guarantee.<span class=\"_ _2f2\"> </span>The lease<span class=\"_ _0\"></span> payments<span class=\"_ _0\"></span> are<span class=\"_ _0\"></span> discount<span class=\"_ _0\"></span>ed using the<span class=\"_ _0\"></span> intere<span class=\"_ _0\"></span>st rate<span class=\"_ _0\"></span> imp<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>t in th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase. I<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>at ra<span class=\"_ _6\"></span>te ca<span class=\"_ _6\"></span>nno<span class=\"_ _6\"></span>t be re<span class=\"_ _6\"></span>adi<span class=\"_ _6\"></span>ly d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ned<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s in<span class=\"_ _6\"></span>crem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>g rat<span class=\"_ _6\"></span>e is use<span class=\"_ _6\"></span>d, wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>s the ra<span class=\"_ _6\"></span>te tha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up wou<span class=\"_ _6\"></span>ld have to p<span class=\"_ _6\"></span>ay to bo<span class=\"_ _6\"></span>rrow t<span class=\"_ _6\"></span>he fu<span class=\"_ _6\"></span>nds ne<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>sar<span class=\"_ _6\"></span>y to o<span class=\"_ _6\"></span>bt<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n an as<span class=\"_ _6\"></span>set of s<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e to t<span class=\"_ _6\"></span>he ri<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>of-<span class=\"_ _2f2\"> </span>use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t in a si<span class=\"_ _6\"></span>mil<span class=\"_ _6\"></span>ar e<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>c envi<span class=\"_ _6\"></span>ronm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th si<span class=\"_ _6\"></span>mil<span class=\"_ _6\"></span>ar ter<span class=\"_ _6\"></span>ms, se<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y and c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns.<span class=\"_ _2f2\"> </span>T<span class=\"_ _b\"></span>o d<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ne t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>crem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>g ra<span class=\"_ _6\"></span>te, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p:  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">w<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re pos<span class=\"_ _6\"></span>sib<span class=\"_ _6\"></span>le, us<span class=\"_ _6\"></span>es rec<span class=\"_ _6\"></span>ent t<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>rd pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>ng rec<span class=\"_ _6\"></span>eive<span class=\"_ _6\"></span>d </span></span>by th<span class=\"_ _6\"></span>e ind<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>al le<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>e as a s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t, a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>d to reflect changes<span class=\"_ _0\"></span> in financing c<span class=\"_ _0\"></span>onditions since third<span class=\"_ _0\"></span> par<span class=\"_ _6\"></span>ty fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g was re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>ved; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">u<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>n app<span class=\"_ _6\"></span>roa<span class=\"_ _6\"></span>ch ta<span class=\"_ _6\"></span>ki<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he ri<span class=\"_ _6\"></span>sk-fre<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>d </span></span>for cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk for l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es he<span class=\"_ _6\"></span>ld by Fund<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Circ<span class=\"_ _6\"></span>le Ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s pl<span class=\"_ _6\"></span>c; and <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">m<span class=\"_ _6\"></span>akes a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cif<span class=\"_ _6\"></span>ic to t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e for ter<span class=\"_ _6\"></span>m, co<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y </span></span>and curr<span class=\"_ _0\"></span>ency<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span>Sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, the l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>d by inc<span class=\"_ _6\"></span>reas<span class=\"_ _6\"></span>ing th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt to ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e leas<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>d redu<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g it by t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s ma<span class=\"_ _6\"></span>de. Th<span class=\"_ _6\"></span>e lea<span class=\"_ _6\"></span>se li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y and r<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ht-o<span class=\"_ _6\"></span>f-use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t are rem<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>red w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re is a<span class=\"_ _0\"></span> lease modification.<span class=\"_ _2f2\"> </span>Lease p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s are al<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>cat<span class=\"_ _6\"></span>ed be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n pr<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>ip<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>ce cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce c<span class=\"_ _6\"></span>ost i<span class=\"_ _6\"></span>s char<span class=\"_ _6\"></span>ged to p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>s over t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d so as t<span class=\"_ _6\"></span>o prod<span class=\"_ _6\"></span>uce a c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod<span class=\"_ _6\"></span>ic ra<span class=\"_ _6\"></span>te of in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on th<span class=\"_ _6\"></span>e rema<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ng b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>f the l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r eac<span class=\"_ _6\"></span>h pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to po<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re inc<span class=\"_ _6\"></span>rease<span class=\"_ _6\"></span>s in va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on a<span class=\"_ _6\"></span>n ind<span class=\"_ _6\"></span>ex or r<span class=\"_ _6\"></span>ate, wh<span class=\"_ _6\"></span>ich a<span class=\"_ _6\"></span>re not in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>ded i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase li<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y un<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>l th<span class=\"_ _6\"></span>ey take ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>. Wh<span class=\"_ _6\"></span>en ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s to le<span class=\"_ _6\"></span>ase p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on a<span class=\"_ _6\"></span>n ind<span class=\"_ _6\"></span>ex or r<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>ake ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase li<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is rea<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d adj<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ted ag<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nst th<span class=\"_ _6\"></span>e ri<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>of-us<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et. E<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>tens<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and te<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re incl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n a num<span class=\"_ _6\"></span>ber of pro<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y le<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up. Ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>rs th<span class=\"_ _6\"></span>e fac<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd ci<span class=\"_ _6\"></span>rcums<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>at may c<span class=\"_ _6\"></span>reate a<span class=\"_ _6\"></span>n eco<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>mic in<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>tive to exe<span class=\"_ _6\"></span>rcise a<span class=\"_ _6\"></span>n ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>n or te<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n in ord<span class=\"_ _6\"></span>er to d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>e wh<span class=\"_ _6\"></span>eth<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ease te<span class=\"_ _6\"></span>rm s<span class=\"_ _6\"></span>hou<span class=\"_ _6\"></span>ld i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude o<span class=\"_ _6\"></span>r exclu<span class=\"_ _6\"></span>de su<span class=\"_ _6\"></span>ch o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s. E<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>tens<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n or ter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns are on<span class=\"_ _6\"></span>ly in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase ter<span class=\"_ _6\"></span>m i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ey are reas<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>bly cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n to be exe<span class=\"_ _6\"></span>rcise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ase of ex<span class=\"_ _5\"></span>tensi<span class=\"_ _6\"></span>on o<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>ons an<span class=\"_ _6\"></span>d not exe<span class=\"_ _6\"></span>rcise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ase of t<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Considerations include<span class=\"_ _0\"></span>: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">i<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>ease<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ld im<span class=\"_ _6\"></span>provem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s are ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to have si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ant </span></span>val<span class=\"_ _6\"></span>ue at t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>nd of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e term; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>r bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess d<span class=\"_ _6\"></span>isr<span class=\"_ _6\"></span>upt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n as a resu<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t of </span></span>replacing<span class=\"_ _0\"></span> a leas<span class=\"_ _0\"></span>e;<span class=\"_ _0\"></span> and <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2 ls3d ws47\">signi<span class=\"_ _6\"></span>ficant penalties incurred in<span class=\"_ _0\"></span> order<span class=\"_ _0\"></span> to t<span class=\"_ _0\"></span>erminate<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></span></span>Lease t<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>s are reas<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d if t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>s exercis<span class=\"_ _6\"></span>ed or i<span class=\"_ _6\"></span>f a si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>nt even<span class=\"_ _6\"></span>t occ<span class=\"_ _6\"></span>urs w<span class=\"_ _6\"></span>hich i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>sess<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of reasonable<span class=\"_ _0\"></span> cer<span class=\"_ _6\"></span>tainty<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>roup ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ies t<span class=\"_ _6\"></span>he sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t-t<span class=\"_ _6\"></span>erm l<span class=\"_ _6\"></span>ease re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on exemp<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to it<span class=\"_ _6\"></span>s sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t-te<span class=\"_ _6\"></span>rm le<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>s of mach<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y and eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt (i.e. th<span class=\"_ _6\"></span>ose le<span class=\"_ _6\"></span>ases t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have a le<span class=\"_ _6\"></span>ase ter<span class=\"_ _6\"></span>m of 12 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs or l<span class=\"_ _6\"></span>ess f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he com<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t dat<span class=\"_ _6\"></span>e and d<span class=\"_ _6\"></span>o not c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tai<span class=\"_ _6\"></span>n a pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>e opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. It a<span class=\"_ _6\"></span>lso a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>s the l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e of low v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>ets re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on exemp<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to lea<span class=\"_ _6\"></span>ses of of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e equi<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent t<span class=\"_ _6\"></span>hat are co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>dere<span class=\"_ _6\"></span>d of low va<span class=\"_ _6\"></span>lue. Leas<span class=\"_ _6\"></span>e paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s on sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t-<span class=\"_ _6\"></span>term l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es and le<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>s of low va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e asse<span class=\"_ _6\"></span>ts are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>ses o<span class=\"_ _6\"></span>n a st<span class=\"_ _6\"></span>rai<span class=\"_ _6\"></span>ght-<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>is over t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase te<span class=\"_ _6\"></span>rm.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-384": {
   "value": "Consolidation<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>o<span class=\"_ _0\"></span>f <span class=\"_ _b\"></span>special <span class=\"_ _0\"></span>purpo<span class=\"_ _0\"></span>se <span class=\"_ _b\"></span>vehicles<span class=\"_ _0\"></span> <span class=\"_ _b\"></span>(\u201cSPV<span class=\"_ _0\"></span>s\u201d)<span class=\"_ _2f2\"> </span>Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s are th<span class=\"_ _6\"></span>ose e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>, inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d vehic<span class=\"_ _6\"></span>les<span class=\"_ _6\"></span>, over wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ls an en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y whe<span class=\"_ _6\"></span>n i<span class=\"_ _6\"></span>t is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d, or h<span class=\"_ _6\"></span>as ri<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>s, to va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ret<span class=\"_ _6\"></span>urn<span class=\"_ _6\"></span>s fro<span class=\"_ _6\"></span>m it<span class=\"_ _6\"></span>s invol<span class=\"_ _6\"></span>veme<span class=\"_ _6\"></span>nt wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd ha<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct th<span class=\"_ _6\"></span>ose re<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>ns t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh i<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>ower over t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e. The G<span class=\"_ _6\"></span>roup has p<span class=\"_ _6\"></span>ower over a<span class=\"_ _6\"></span>n en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y whe<span class=\"_ _6\"></span>n i<span class=\"_ _6\"></span>t has ex<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g ri<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at gi<span class=\"_ _6\"></span>ve it th<span class=\"_ _6\"></span>e cur<span class=\"_ _6\"></span>rent a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to dire<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies t<span class=\"_ _6\"></span>hat m<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>\u2019s ret<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ns. Powe<span class=\"_ _6\"></span>r may be d<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he bas<span class=\"_ _6\"></span>is of vo<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g ri<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>s or, in th<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e of st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es, other contractual arrangements.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er i<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ls SP<span class=\"_ _6\"></span>Vs and th<span class=\"_ _6\"></span>e req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t to co<span class=\"_ _6\"></span>nsol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>hem u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er th<span class=\"_ _6\"></span>e cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a of IFRS 1<span class=\"_ _6\"></span>0. Co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol is d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ned t<span class=\"_ _6\"></span>o exis<span class=\"_ _6\"></span>t if t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as t<span class=\"_ _6\"></span>he pow<span class=\"_ _6\"></span>er to di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>t the a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f eac<span class=\"_ _6\"></span>h ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y (for exa<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>le, ma<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce of t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>nd r<span class=\"_ _6\"></span>aisi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>ebt o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>ose as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts wh<span class=\"_ _6\"></span>ich is u<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d to fun<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up) and u<span class=\"_ _6\"></span>ses t<span class=\"_ _6\"></span>his con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l to ob<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>in a var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e retu<span class=\"_ _6\"></span>rn (fo<span class=\"_ _6\"></span>r exam<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>e, ret<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he resi<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>al ri<span class=\"_ _6\"></span>sk on t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts)<span class=\"_ _0\"></span>. S<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res th<span class=\"_ _6\"></span>at do n<span class=\"_ _6\"></span>ot m<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t the<span class=\"_ _6\"></span>se cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a are no<span class=\"_ _6\"></span>t trea<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>s subs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s are de<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed w<span class=\"_ _6\"></span>hen t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hts t<span class=\"_ _6\"></span>o the c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows have en<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he ad<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s secu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s and is ex<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>sed to t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>s and rew<span class=\"_ _6\"></span>ards o<span class=\"_ _6\"></span>f the un<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>lyi<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s thro<span class=\"_ _6\"></span>ugh i<span class=\"_ _6\"></span>ts co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t or whe<span class=\"_ _6\"></span>re th<span class=\"_ _6\"></span>e Group do<span class=\"_ _6\"></span>es not ret<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>a dire<span class=\"_ _6\"></span>ct owne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t in <span class=\"_ _0\"></span>an SPV<span class=\"_ _0\"></span>, bu<span class=\"_ _6\"></span>t the Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tors have det<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d tha<span class=\"_ _6\"></span>t the Grou<span class=\"_ _6\"></span>p cont<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>s thos<span class=\"_ _6\"></span>e en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cri<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ria o<span class=\"_ _6\"></span>f IFRS 1<span class=\"_ _6\"></span>0, th<span class=\"_ _6\"></span>ey are tre<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d as sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>re cons<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted<span class=\"_ _6\"></span>. See n<span class=\"_ _6\"></span>ote 29 fo<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls of these ent<span class=\"_ _6\"></span>ities.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "fundingcircle:DescriptionOfAccountingPolicyForConsolidationOfSpecialPurposeVehiclesSPVs",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-385": {
   "value": "Discontinued<span class=\"_ _0\"></span> operations and<span class=\"_ _0\"></span> decons<span class=\"_ _0\"></span>olidation<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up in<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>ds to se<span class=\"_ _6\"></span>ll as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s or B<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s Uni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s, IFRS 5 N<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt As<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts He<span class=\"_ _6\"></span>ld fo<span class=\"_ _6\"></span>r Sa<span class=\"_ _6\"></span>le an<span class=\"_ _6\"></span>d Dis<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>d Op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons i<span class=\"_ _6\"></span>s app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed. A<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>et o<span class=\"_ _6\"></span>r grou<span class=\"_ _6\"></span>p of ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s is tre<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d as a di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ed op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>f: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>t is ava<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e for im<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>te sa<span class=\"_ _6\"></span>le in i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s pres<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e is hi<span class=\"_ _6\"></span>ghl<span class=\"_ _6\"></span>y prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le, wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d </span></span>to a pl<span class=\"_ _6\"></span>an to se<span class=\"_ _6\"></span>ll t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set a<span class=\"_ _6\"></span>nd a<span class=\"_ _6\"></span>n act<span class=\"_ _6\"></span>ive p<span class=\"_ _6\"></span>rogr<span class=\"_ _6\"></span>amm<span class=\"_ _6\"></span>e to lo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>te a bu<span class=\"_ _6\"></span>yer ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d; an<span class=\"_ _6\"></span>d <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e is exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted to b<span class=\"_ _6\"></span>e co<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in on<span class=\"_ _6\"></span>e year o<span class=\"_ _6\"></span>f </span></span>cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d for s<span class=\"_ _6\"></span>ale.<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>hese c<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia a<span class=\"_ _6\"></span>re met<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>ets i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e dis<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>al g<span class=\"_ _6\"></span>roup are me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>red at t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ower of f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e les<span class=\"_ _6\"></span>s cos<span class=\"_ _6\"></span>t to se<span class=\"_ _6\"></span>ll an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g val<span class=\"_ _6\"></span>ue a<span class=\"_ _6\"></span>t the p<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>hey are co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to me<span class=\"_ _6\"></span>et th<span class=\"_ _6\"></span>e cri<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>. The res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ions a<span class=\"_ _6\"></span>re present<span class=\"_ _0\"></span>ed separately<span class=\"_ _0\"></span> in the c<span class=\"_ _0\"></span>onsolidated statement o<span class=\"_ _0\"></span>f com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ara<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve year res<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ted on a l<span class=\"_ _6\"></span>ike-fo<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-li<span class=\"_ _6\"></span>ke bas<span class=\"_ _6\"></span>is.<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>ere a Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess U<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up is h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d as a dis<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f sel<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g it<span class=\"_ _6\"></span>, i<span class=\"_ _6\"></span>t wil<span class=\"_ _6\"></span>l rema<span class=\"_ _6\"></span>in con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated fo<span class=\"_ _6\"></span>r as lo<span class=\"_ _6\"></span>ng as t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia for c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>, as def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed by IFRS 1<span class=\"_ _6\"></span>0 Co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>date<span class=\"_ _6\"></span>d Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l St<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>, are me<span class=\"_ _6\"></span>t. A<span class=\"_ _6\"></span>ll th<span class=\"_ _6\"></span>ree of t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>se cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a mus<span class=\"_ _6\"></span>t be m<span class=\"_ _6\"></span>et in o<span class=\"_ _6\"></span>rde<span class=\"_ _6\"></span>r to con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l an en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">p<span class=\"_ _6\"></span>ower ove<span class=\"_ _6\"></span>r the i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">ex<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>sure, o<span class=\"_ _6\"></span>r rig<span class=\"_ _6\"></span>ht<span class=\"_ _6\"></span>s, to var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e retu<span class=\"_ _6\"></span>rns f<span class=\"_ _6\"></span>rom i<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>nvolvem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t </span></span>wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e; and <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y t<span class=\"_ _6\"></span>o use i<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>ower over t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e to af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he </span></span>amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>\u2019s ret<span class=\"_ _6\"></span>urn<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>ile a<span class=\"_ _6\"></span>n agre<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent m<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t be s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>ed to s<span class=\"_ _6\"></span>ell t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, if th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>s to me<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>he cr<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>a for co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ng an<span class=\"_ _6\"></span>d clo<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, de<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nsol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion w<span class=\"_ _6\"></span>ill o<span class=\"_ _6\"></span>nly occ<span class=\"_ _6\"></span>ur on c<span class=\"_ _6\"></span>los<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>nce t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia are n<span class=\"_ _6\"></span>o lo<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>r me<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-429": {
   "value": "Investment in associates<span class=\"_ _2f2\"> </span>An a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>te is an e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y over w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p has s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t inf<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>e. Sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>fl<span class=\"_ _6\"></span>uen<span class=\"_ _6\"></span>ce is t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ower to p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>te in th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l and o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>y de<span class=\"_ _6\"></span>cisi<span class=\"_ _6\"></span>ons of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e, bu<span class=\"_ _6\"></span>t is n<span class=\"_ _6\"></span>ot co<span class=\"_ _6\"></span>ntro<span class=\"_ _6\"></span>l or j<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l over th<span class=\"_ _6\"></span>ose p<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>icie<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e considerations made<span class=\"_ _0\"></span> in determining<span class=\"_ _0\"></span> significant influence or jo<span class=\"_ _6\"></span>int co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol a<span class=\"_ _6\"></span>re simi<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>r to th<span class=\"_ _6\"></span>ose n<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>ssa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y to de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l over su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate is a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d for us<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d. Un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>hod o<span class=\"_ _6\"></span>f acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g, t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts are in<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>t. Th<span class=\"_ _6\"></span>is is a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>erea<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter to reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s s<span class=\"_ _6\"></span>hare of t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t-acq<span class=\"_ _6\"></span>uis<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts or l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tee i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s sha<span class=\"_ _6\"></span>re of movem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tee i<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e. Di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ds rec<span class=\"_ _6\"></span>eive<span class=\"_ _6\"></span>d or rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e from a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as a re<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt.<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s s<span class=\"_ _6\"></span>hare of l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es in a<span class=\"_ _6\"></span>n eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y-ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nted inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>als o<span class=\"_ _6\"></span>r excee<span class=\"_ _6\"></span>ds i<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y, in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g any ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r unse<span class=\"_ _6\"></span>cu<span class=\"_ _6\"></span>red lo<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>-ter<span class=\"_ _6\"></span>m rec<span class=\"_ _6\"></span>eiva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p do<span class=\"_ _6\"></span>es no<span class=\"_ _6\"></span>t reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise f<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>ses, u<span class=\"_ _6\"></span>nl<span class=\"_ _6\"></span>ess i<span class=\"_ _6\"></span>t has in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red ob<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>gat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns or m<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s on b<span class=\"_ _6\"></span>eha<span class=\"_ _6\"></span>lf o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e other entit<span class=\"_ _6\"></span>y<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span>Un<span class=\"_ _6\"></span>real<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d gai<span class=\"_ _6\"></span>ns on t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p and i<span class=\"_ _6\"></span>ts ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>re eli<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in these entities. Unr<span class=\"_ _0\"></span>ealised losse<span class=\"_ _0\"></span>s ar<span class=\"_ _0\"></span>e also<span class=\"_ _0\"></span> eliminated<span class=\"_ _0\"></span> unless th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on prov<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>s evid<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>e of an i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>. Af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y me<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>od, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ines whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er i<span class=\"_ _6\"></span>t is ne<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y to reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s on i<span class=\"_ _6\"></span>ts inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate. A<span class=\"_ _6\"></span>t eac<span class=\"_ _6\"></span>h repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ate, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>es whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>here i<span class=\"_ _6\"></span>s an in<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent in t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate i<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d. I<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ere is s<span class=\"_ _6\"></span>uch a<span class=\"_ _6\"></span>n ind<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>tes th<span class=\"_ _6\"></span>e am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt as t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e recover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>ts ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e, and t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ses t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>oss wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin t<span class=\"_ _6\"></span>he statement of<span class=\"_ _0\"></span> compreh<span class=\"_ _0\"></span>ensiv<span class=\"_ _0\"></span>e income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Up<span class=\"_ _6\"></span>on l<span class=\"_ _6\"></span>oss of s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t inf<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>e over th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>s and re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>es any re<span class=\"_ _6\"></span>tai<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>t it<span class=\"_ _6\"></span>s fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue. A<span class=\"_ _6\"></span>ny di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>feren<span class=\"_ _6\"></span>ce b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he associate<span class=\"_ _0\"></span> upon loss<span class=\"_ _0\"></span> of significant influence or<span class=\"_ _0\"></span> joint control<span class=\"_ _0\"></span> and th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he ret<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d pro<span class=\"_ _6\"></span>cee<span class=\"_ _6\"></span>ds f<span class=\"_ _6\"></span>rom dis<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-386": {
   "value": "Investment in associates<span class=\"_ _2f2\"> </span>An a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>te is an e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y over w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p has s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t inf<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>e. Sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>fl<span class=\"_ _6\"></span>uen<span class=\"_ _6\"></span>ce is t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ower to p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>te in th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l and o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>y de<span class=\"_ _6\"></span>cisi<span class=\"_ _6\"></span>ons of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>e, bu<span class=\"_ _6\"></span>t is n<span class=\"_ _6\"></span>ot co<span class=\"_ _6\"></span>ntro<span class=\"_ _6\"></span>l or j<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l over th<span class=\"_ _6\"></span>ose p<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>icie<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e considerations made<span class=\"_ _0\"></span> in determining<span class=\"_ _0\"></span> significant influence or jo<span class=\"_ _6\"></span>int co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rol a<span class=\"_ _6\"></span>re simi<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>r to th<span class=\"_ _6\"></span>ose n<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>ssa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y to de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l over su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate is a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d for us<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>d. Un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>hod o<span class=\"_ _6\"></span>f acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g, t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts are in<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>t. Th<span class=\"_ _6\"></span>is is a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>erea<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter to reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s s<span class=\"_ _6\"></span>hare of t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t-acq<span class=\"_ _6\"></span>uis<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts or l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tee i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s sha<span class=\"_ _6\"></span>re of movem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tee i<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e. Di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ds rec<span class=\"_ _6\"></span>eive<span class=\"_ _6\"></span>d or rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e from a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as a re<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt.<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s s<span class=\"_ _6\"></span>hare of l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es in a<span class=\"_ _6\"></span>n eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y-ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nted inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>als o<span class=\"_ _6\"></span>r excee<span class=\"_ _6\"></span>ds i<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y, in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g any ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r unse<span class=\"_ _6\"></span>cu<span class=\"_ _6\"></span>red lo<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>-ter<span class=\"_ _6\"></span>m rec<span class=\"_ _6\"></span>eiva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p do<span class=\"_ _6\"></span>es no<span class=\"_ _6\"></span>t reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise f<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>ses, u<span class=\"_ _6\"></span>nl<span class=\"_ _6\"></span>ess i<span class=\"_ _6\"></span>t has in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>red ob<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>gat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns or m<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s on b<span class=\"_ _6\"></span>eha<span class=\"_ _6\"></span>lf o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e other entit<span class=\"_ _6\"></span>y<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span>Un<span class=\"_ _6\"></span>real<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d gai<span class=\"_ _6\"></span>ns on t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p and i<span class=\"_ _6\"></span>ts ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>re eli<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in these entities. Unr<span class=\"_ _0\"></span>ealised losse<span class=\"_ _0\"></span>s ar<span class=\"_ _0\"></span>e also<span class=\"_ _0\"></span> eliminated<span class=\"_ _0\"></span> unless th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on prov<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>s evid<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>e of an i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>. Af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y me<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>od, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ines whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er i<span class=\"_ _6\"></span>t is ne<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y to reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s on i<span class=\"_ _6\"></span>ts inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate. A<span class=\"_ _6\"></span>t eac<span class=\"_ _6\"></span>h repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ate, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>es whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>here i<span class=\"_ _6\"></span>s an in<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent in t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate i<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d. I<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ere is s<span class=\"_ _6\"></span>uch a<span class=\"_ _6\"></span>n ind<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>tes th<span class=\"_ _6\"></span>e am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt as t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e recover<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>ts ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e, and t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ses t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>oss wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin t<span class=\"_ _6\"></span>he statement of<span class=\"_ _0\"></span> compreh<span class=\"_ _0\"></span>ensiv<span class=\"_ _0\"></span>e income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Up<span class=\"_ _6\"></span>on l<span class=\"_ _6\"></span>oss of s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t inf<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>e over th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>s and re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>es any re<span class=\"_ _6\"></span>tai<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>t it<span class=\"_ _6\"></span>s fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue. A<span class=\"_ _6\"></span>ny di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>feren<span class=\"_ _6\"></span>ce b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he associate<span class=\"_ _0\"></span> upon loss<span class=\"_ _0\"></span> of significant influence or<span class=\"_ _0\"></span> joint control<span class=\"_ _0\"></span> and th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he ret<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d pro<span class=\"_ _6\"></span>cee<span class=\"_ _6\"></span>ds f<span class=\"_ _6\"></span>rom dis<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-387": {
   "value": "Financial<span class=\"_ _0\"></span> instruments<span class=\"_ _2f2\"> </span>Financial assets<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p dete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ines t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of i<span class=\"_ _6\"></span>ts f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts at<span class=\"_ _6\"></span> ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. T<span class=\"_ _6\"></span>he req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts of I<span class=\"_ _6\"></span>FRS 9 for c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n an<span class=\"_ _6\"></span>d subs<span class=\"_ _6\"></span>eq<span class=\"_ _6\"></span>uen<span class=\"_ _6\"></span>t mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t are ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ed, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h requ<span class=\"_ _6\"></span>ire fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s to be cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span>\u2019s bus<span class=\"_ _6\"></span>ines<span class=\"_ _6\"></span>s mo<span class=\"_ _6\"></span>del fo<span class=\"_ _6\"></span>r man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low cha<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cs of t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ey are </span></span>he<span class=\"_ _6\"></span>ld wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin a b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>, the o<span class=\"_ _6\"></span>bj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tive o<span class=\"_ _6\"></span>f whi<span class=\"_ _6\"></span>ch is to ho<span class=\"_ _6\"></span>ld f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s in o<span class=\"_ _6\"></span>rder t<span class=\"_ _6\"></span>o col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash fl<span class=\"_ _6\"></span>ows, an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt so<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ly paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts of p<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t;  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er </span></span>com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e (\u201cF<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TOCI<span class=\"_ _6\"></span>\u201d) i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ey are he<span class=\"_ _6\"></span>ld wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed as \u201dh<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d to col<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d sel<span class=\"_ _6\"></span>l\u201d, th<span class=\"_ _6\"></span>e obj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve of whi<span class=\"_ _6\"></span>ch is a<span class=\"_ _6\"></span>chi<span class=\"_ _6\"></span>eved by bo<span class=\"_ _6\"></span>th c<span class=\"_ _6\"></span>oll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows a<span class=\"_ _6\"></span>nd se<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt so<span class=\"_ _6\"></span>lel<span class=\"_ _6\"></span>y paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts of pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t; a<span class=\"_ _6\"></span>nd <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l asse<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>at do no<span class=\"_ _6\"></span>t me<span class=\"_ _6\"></span>et th<span class=\"_ _6\"></span>e cri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia to be am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d </span></span>cos<span class=\"_ _6\"></span>t or F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TOCI a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss (\u201c<span class=\"_ _6\"></span>F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL<span class=\"_ _b\"></span>\u201d). In ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up m<span class=\"_ _6\"></span>ay<span class=\"_ _b\"></span>, a<span class=\"_ _6\"></span>t ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, des<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>nate a f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t as me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL i<span class=\"_ _6\"></span>f doi<span class=\"_ _6\"></span>ng so e<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ates o<span class=\"_ _6\"></span>r sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly red<span class=\"_ _6\"></span>uce<span class=\"_ _6\"></span>s an accounting mismat<span class=\"_ _0\"></span>ch.<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>en fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ass<span class=\"_ _6\"></span>ets are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, they are<span class=\"_ _6\"></span> me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e, plu<span class=\"_ _6\"></span>s, in th<span class=\"_ _6\"></span>e case of i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts no<span class=\"_ _6\"></span>t at fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>it or l<span class=\"_ _6\"></span>oss, d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ly at<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e tra<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. The purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>e of any credi<span class=\"_ _6\"></span>t-i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ired as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s is als<span class=\"_ _6\"></span>o at fair value<span class=\"_ _0\"></span> af<span class=\"_ _6\"></span>ter an<span class=\"_ _0\"></span>y impairment.<span class=\"_ _2f2\"> </span>E<span class=\"_ _6\"></span>xcep<span class=\"_ _6\"></span>t for cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>s des<span class=\"_ _6\"></span>cri<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>low, the G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>oe<span class=\"_ _6\"></span>s not re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>e on i<span class=\"_ _6\"></span>ts b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>rra<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tors as i<span class=\"_ _6\"></span>t is n<span class=\"_ _6\"></span>ot a pr<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>ipa<span class=\"_ _6\"></span>l pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd is n<span class=\"_ _6\"></span>ot ex<span class=\"_ _6\"></span>pose<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he ris<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d reward<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns. Wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>rus<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>-i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts an<span class=\"_ _6\"></span>d SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>, all fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are he<span class=\"_ _6\"></span>ld to co<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tua<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows.<span class=\"_ _2f2\"> </span>The fo<span class=\"_ _6\"></span>ur t<span class=\"_ _6\"></span>yp<span class=\"_ _6\"></span>es of S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d are as fo<span class=\"_ _6\"></span>llows:<span class=\"_ _2f2\"> </span>i) S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e thr<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss<span class=\"_ _2f2\"> </span>Thi<span class=\"_ _6\"></span>s cat<span class=\"_ _6\"></span>ego<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ily f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed as f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss an<span class=\"_ _6\"></span>d are h<span class=\"_ _6\"></span>eld w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of se<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>n to inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>. They a<span class=\"_ _6\"></span>re ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e on th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he su<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>urem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue wi<span class=\"_ _6\"></span>th a<span class=\"_ _6\"></span>ll ga<span class=\"_ _6\"></span>ins a<span class=\"_ _6\"></span>nd lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s bei<span class=\"_ _6\"></span>ng re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>ed statement of<span class=\"_ _0\"></span> compreh<span class=\"_ _0\"></span>ensiv<span class=\"_ _0\"></span>e income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>ii<span class=\"_ _6\"></span>) SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ed c<span class=\"_ _6\"></span>ost<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p hol<span class=\"_ _6\"></span>ds inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts in c<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n SM<span class=\"_ _6\"></span>E bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss lo<span class=\"_ _6\"></span>ans as a resu<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t of com<span class=\"_ _6\"></span>merc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l inves<span class=\"_ _6\"></span>tors a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>n cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>lso b<span class=\"_ _6\"></span>uys ba<span class=\"_ _6\"></span>ck lo<span class=\"_ _6\"></span>ans f<span class=\"_ _6\"></span>rom inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The<span class=\"_ _6\"></span>se lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>re inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t (see n<span class=\"_ _6\"></span>ote 12) an<span class=\"_ _6\"></span>d are cl<span class=\"_ _6\"></span>assi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t (as th<span class=\"_ _6\"></span>ey are he<span class=\"_ _6\"></span>ld so<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ly to co<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>ct p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>l and i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts) an<span class=\"_ _6\"></span>d are ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e and s<span class=\"_ _6\"></span>ubse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tly m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t le<span class=\"_ _6\"></span>ss prov<span class=\"_ _6\"></span>isio<span class=\"_ _6\"></span>n for i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. ii<span class=\"_ _6\"></span>i) Li<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>s of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span>Lend<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct is re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. This re<span class=\"_ _6\"></span>pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he dr<span class=\"_ _6\"></span>awn amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e fac<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies, n<span class=\"_ _6\"></span>et of EC<span class=\"_ _6\"></span>L. Th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tua<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>t so<span class=\"_ _6\"></span>lel<span class=\"_ _6\"></span>y paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts of p<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t (\u201c<span class=\"_ _6\"></span>SPPI<span class=\"_ _6\"></span>\u201d) an<span class=\"_ _6\"></span>d the b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l und<span class=\"_ _6\"></span>er wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>hey a<span class=\"_ _6\"></span>re hel<span class=\"_ _6\"></span>d is in o<span class=\"_ _6\"></span>rde<span class=\"_ _6\"></span>r to co<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ual c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g in th<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>nes of cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t bei<span class=\"_ _6\"></span>ng m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>red i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tia<span class=\"_ _6\"></span>lly a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue an<span class=\"_ _6\"></span>d sub<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on fe<span class=\"_ _6\"></span>e asso<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ated w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h Flex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9 wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me at t<span class=\"_ _6\"></span>he ef<span class=\"_ _6\"></span>fective<span class=\"_ _0\"></span> inter<span class=\"_ _0\"></span>est rate<span class=\"_ _0\"></span> in the<span class=\"_ _0\"></span> consolidated statement<span class=\"_ _0\"></span> of com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e an<span class=\"_ _6\"></span>d is reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d over th<span class=\"_ _6\"></span>e exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he dr<span class=\"_ _6\"></span>awdow<span class=\"_ _6\"></span>n. The Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t are h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d net of ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owa<span class=\"_ _6\"></span>nces u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er IFR<span class=\"_ _6\"></span>S 9, th<span class=\"_ _6\"></span>e met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>log<span class=\"_ _6\"></span>y and d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of whi<span class=\"_ _6\"></span>ch al<span class=\"_ _6\"></span>ign t<span class=\"_ _6\"></span>o the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>y on im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>irm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the exc<span class=\"_ _6\"></span>ept<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of be<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d at t<span class=\"_ _6\"></span>he avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>evel, e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ine of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it to t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t of def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>, and a<span class=\"_ _6\"></span>re det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d fur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in no<span class=\"_ _6\"></span>te 1<span class=\"_ _6\"></span>6. Add<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t l<span class=\"_ _6\"></span>oss a<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t, es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>, los<span class=\"_ _6\"></span>s given d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t and ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ure at de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>n rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t were t<span class=\"_ _6\"></span>hey to be d<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n. Thi<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>rawn po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f the l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es in n<span class=\"_ _6\"></span>ote 15<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>iv) I<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p hol<span class=\"_ _6\"></span>ds a mi<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>al own<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>et up to f<span class=\"_ _6\"></span>und C<span class=\"_ _6\"></span>BI<span class=\"_ _6\"></span>LS, GGS<span class=\"_ _6\"></span>, RLS a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l loa<span class=\"_ _6\"></span>ns wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the maj<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ben<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>al own<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d by ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>. The SM<span class=\"_ _6\"></span>E loan<span class=\"_ _6\"></span>s are ori<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d by <span class=\"_ _0\"></span>Gro<span class=\"_ _6\"></span>up sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s, Fund<span class=\"_ _6\"></span>ing Ci<span class=\"_ _6\"></span>rcle Fo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l Point Len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d for CBI<span class=\"_ _6\"></span>LS and Fund<span class=\"_ _6\"></span>ing Ci<span class=\"_ _6\"></span>rcle Ecl<span class=\"_ _6\"></span>ips<span class=\"_ _6\"></span>e Lendi<span class=\"_ _6\"></span>ng Lim<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ed or Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Pola<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span> Lend<span class=\"_ _6\"></span>ing Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted for G<span class=\"_ _6\"></span>GS, RLS an<span class=\"_ _6\"></span>d comm<span class=\"_ _6\"></span>erci<span class=\"_ _6\"></span>al lo<span class=\"_ _6\"></span>ans, wh<span class=\"_ _6\"></span>ich<span class=\"_ _6\"></span> ret<span class=\"_ _6\"></span>ain l<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>ese en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies h<span class=\"_ _6\"></span>old t<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>s leg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t on beh<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>f of the ma<span class=\"_ _6\"></span>jo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y investo<span class=\"_ _6\"></span>rs who s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly ret<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span> th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e CBI<span class=\"_ _6\"></span>LS, GGS, RLS a<span class=\"_ _6\"></span>nd com<span class=\"_ _6\"></span>merc<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span> lo<span class=\"_ _6\"></span>ans g<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>e and t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>refore t<span class=\"_ _6\"></span>he tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in, in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g the S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans, are no<span class=\"_ _6\"></span>t cons<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er i<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ls th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia of I<span class=\"_ _6\"></span>FRS 10. C<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed to ex<span class=\"_ _6\"></span>ist if t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as th<span class=\"_ _6\"></span>e powe<span class=\"_ _6\"></span>r to dire<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es of en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies an<span class=\"_ _6\"></span>d str<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res an<span class=\"_ _6\"></span>d uses t<span class=\"_ _6\"></span>his co<span class=\"_ _6\"></span>ntro<span class=\"_ _6\"></span>l to obt<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n a vari<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ret<span class=\"_ _6\"></span>urn<span class=\"_ _6\"></span>, to whi<span class=\"_ _6\"></span>ch i<span class=\"_ _6\"></span>t is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to the m<span class=\"_ _6\"></span>ajo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y. As the<span class=\"_ _6\"></span> Gro<span class=\"_ _6\"></span>up\u2019s ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing i<span class=\"_ _6\"></span>s sma<span class=\"_ _6\"></span>ll com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red to t<span class=\"_ _6\"></span>he maj<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>r an<span class=\"_ _6\"></span>d par<span class=\"_ _6\"></span>i pas<span class=\"_ _6\"></span>su, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>s not ex<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>sed to t<span class=\"_ _6\"></span>he m<span class=\"_ _6\"></span>ajo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows of t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>rus<span class=\"_ _6\"></span>t, a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>t is n<span class=\"_ _6\"></span>ot con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ruc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ures, s<span class=\"_ _6\"></span>o th<span class=\"_ _6\"></span>ey are no<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s are cl<span class=\"_ _6\"></span>assi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s. They a<span class=\"_ _6\"></span>re ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t wit<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue wi<span class=\"_ _6\"></span>th a<span class=\"_ _6\"></span>ll ga<span class=\"_ _6\"></span>ins an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>ses b<span class=\"_ _6\"></span>ein<span class=\"_ _6\"></span>g reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted statement of<span class=\"_ _0\"></span> compreh<span class=\"_ _0\"></span>ensiv<span class=\"_ _0\"></span>e income<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup r<span class=\"_ _0\"></span>ecognises transaction f<span class=\"_ _0\"></span>ee income<span class=\"_ _0\"></span> on origination of lo<span class=\"_ _6\"></span>ans w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust a<span class=\"_ _6\"></span>nd s<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ce fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me on t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t, e<span class=\"_ _6\"></span>lim<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng i<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>ropo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal ow<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p sha<span class=\"_ _6\"></span>re of th<span class=\"_ _6\"></span>e ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice fe<span class=\"_ _6\"></span>es. A s<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>me le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er fee i<span class=\"_ _6\"></span>s cha<span class=\"_ _6\"></span>rged i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to th<span class=\"_ _6\"></span>e or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of CB<span class=\"_ _6\"></span>ILS a<span class=\"_ _6\"></span>nd RLS l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to ret<span class=\"_ _6\"></span>urn<span class=\"_ _6\"></span>s on t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>Other financial assets<span class=\"_ _2f2\"> </span>Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ance s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et as t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s are cl<span class=\"_ _6\"></span>assi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>hey are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e and s<span class=\"_ _6\"></span>ubse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tly m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t le<span class=\"_ _6\"></span>ss prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on for i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. Ne<span class=\"_ _6\"></span>t inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>ease re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>les a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s repres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e net p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt rec<span class=\"_ _6\"></span>eiva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e. Inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t is rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r costs in<span class=\"_ _0\"></span> the statement o<span class=\"_ _0\"></span>f compr<span class=\"_ _0\"></span>ehensiv<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>ome.<span class=\"_ _2f2\"> </span>Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>re cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of mo<span class=\"_ _6\"></span>ney ma<span class=\"_ _6\"></span>rket f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at are cl<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed as F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL. C<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de c<span class=\"_ _6\"></span>ash i<span class=\"_ _6\"></span>n han<span class=\"_ _6\"></span>d, de<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld at c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>l wi<span class=\"_ _6\"></span>th b<span class=\"_ _6\"></span>anks<span class=\"_ _6\"></span>, mon<span class=\"_ _6\"></span>ey mar<span class=\"_ _6\"></span>ket f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s and ot<span class=\"_ _6\"></span>her s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t-te<span class=\"_ _6\"></span>rm h<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ly li<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>al ma<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>ree m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs o<span class=\"_ _6\"></span>r les<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e car<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>ese as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts ap<span class=\"_ _6\"></span>prox<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes to t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue.<span class=\"_ _2f2\"> </span>Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>f IFRS 9. The I<span class=\"_ _6\"></span>FRS 9 imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l req<span class=\"_ _6\"></span>uires a t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e-s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>age a<span class=\"_ _6\"></span>ppro<span class=\"_ _6\"></span>ach: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 inc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>des f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have no<span class=\"_ _6\"></span>t had a </span></span>signific<span class=\"_ _6\"></span>ant inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> in cr<span class=\"_ _0\"></span>edit risk since<span class=\"_ _0\"></span> initial recognition or th<span class=\"_ _6\"></span>at have l<span class=\"_ _6\"></span>ow cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k at th<span class=\"_ _6\"></span>e rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g dat<span class=\"_ _6\"></span>e. For th<span class=\"_ _6\"></span>ese ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s, 12-mon<span class=\"_ _6\"></span>th ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ses (\u201c<span class=\"_ _6\"></span>ECL<span class=\"_ _6\"></span>s\u201d) (<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>at is, exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es ar<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e nex<span class=\"_ _6\"></span>t 12 mon<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>s) are reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>st in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ted on t<span class=\"_ _6\"></span>he gro<span class=\"_ _6\"></span>ss c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt of t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t (th<span class=\"_ _6\"></span>at is<span class=\"_ _6\"></span>, wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce)<span class=\"_ _0\"></span>.  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2 ls3d ws47\">S<span class=\"_ _6\"></span>tage 2 includes financial<span class=\"_ _0\"></span> instruments that ha<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span> had a </span></span>signific<span class=\"_ _6\"></span>ant inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> in cr<span class=\"_ _0\"></span>edit risk since<span class=\"_ _0\"></span> initial recognition (unl<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>hey h<span class=\"_ _6\"></span>ave low cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k at t<span class=\"_ _6\"></span>he rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g da<span class=\"_ _6\"></span>te) but are no<span class=\"_ _6\"></span>t cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d. Fo<span class=\"_ _6\"></span>r the<span class=\"_ _6\"></span>se as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECLs (<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>at is, ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t over t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t) are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed, a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is st<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he g<span class=\"_ _6\"></span>ross c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>unt o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>roup as<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>mes t<span class=\"_ _6\"></span>here h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en a s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k i<span class=\"_ _6\"></span>f ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s excee<span class=\"_ _6\"></span>d 30 d<span class=\"_ _6\"></span>ays pas<span class=\"_ _6\"></span>t du<span class=\"_ _6\"></span>e, in li<span class=\"_ _6\"></span>ne wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e reb<span class=\"_ _6\"></span>ut<span class=\"_ _5\"></span>tab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>resum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion p<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 9, or w<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk s<span class=\"_ _6\"></span>core of t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r is ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d to have de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ior<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d above a cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>resh<span class=\"_ _6\"></span>old re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to the<span class=\"_ _6\"></span>ir sc<span class=\"_ _6\"></span>ore at o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>, at wh<span class=\"_ _6\"></span>ich p<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>he ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to be s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2. <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">St<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 3 cons<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>s of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l asse<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>at are cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d, </span></span>whi<span class=\"_ _6\"></span>ch is w<span class=\"_ _6\"></span>hen o<span class=\"_ _6\"></span>ne o<span class=\"_ _6\"></span>r more even<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have a de<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ime<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>al imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et have occu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. For th<span class=\"_ _6\"></span>ese ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _6\"></span>s are also reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed<span class=\"_ _6\"></span>, bu<span class=\"_ _6\"></span>t inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t inc<span class=\"_ _6\"></span>ome i<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>et ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt (t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t is, ne<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ECL a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce)<span class=\"_ _0\"></span>. The Gro<span class=\"_ _6\"></span>up de<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>nes a d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t, cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3, as a<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>et wi<span class=\"_ _6\"></span>th any ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s excee<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g a 90<span class=\"_ _6\"></span>-d<span class=\"_ _6\"></span>ay due da<span class=\"_ _6\"></span>te, whi<span class=\"_ _6\"></span>ch ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e poi<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to be d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted. A<span class=\"_ _6\"></span>n ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt th<span class=\"_ _6\"></span>at is d<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>d to be f<span class=\"_ _6\"></span>rau<span class=\"_ _6\"></span>dul<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t (i.e. th<span class=\"_ _6\"></span>ird p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n fra<span class=\"_ _6\"></span>ud) is w<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f a<span class=\"_ _6\"></span>t poi<span class=\"_ _6\"></span>nt of identif<span class=\"_ _6\"></span>ication. <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls2b ws66\">In som<span class=\"_ _6\"></span>e circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces wh<span class=\"_ _6\"></span>ere as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s are bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k by </span></span>th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p, the f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>se me<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f purc<span class=\"_ _6\"></span>hase<span class=\"_ _6\"></span>d or o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red (\u201c<span class=\"_ _6\"></span>PO<span class=\"_ _6\"></span>CI<span class=\"_ _6\"></span>\u201d), and i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t is t<span class=\"_ _6\"></span>here<span class=\"_ _6\"></span>fore ba<span class=\"_ _6\"></span>sed on l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s on a for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e expe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>ses as<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>ed wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h it<span class=\"_ _6\"></span>s fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s car<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ed at amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t and rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s a <span class=\"_ _0\"></span>los<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce for su<span class=\"_ _6\"></span>ch los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span> at e<span class=\"_ _6\"></span>ach rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g da<span class=\"_ _6\"></span>te. The m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt of E<span class=\"_ _6\"></span>CLs ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>n un<span class=\"_ _6\"></span>bias<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>weig<span class=\"_ _6\"></span>hte<span class=\"_ _6\"></span>d amo<span class=\"_ _6\"></span>unt t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t is </span></span>de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by eval<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g a ra<span class=\"_ _6\"></span>nge o<span class=\"_ _6\"></span>f pos<span class=\"_ _6\"></span>sib<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>utc<span class=\"_ _6\"></span>ome<span class=\"_ _6\"></span>s; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>ue of m<span class=\"_ _6\"></span>oney; a<span class=\"_ _6\"></span>nd</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>nd su<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>at is avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e </span></span>wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>due c<span class=\"_ _6\"></span>ost o<span class=\"_ _6\"></span>r ef<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>ate ab<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t pas<span class=\"_ _6\"></span>t even<span class=\"_ _6\"></span>ts, cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure economic c<span class=\"_ _0\"></span>onditions.<span class=\"_ _2f2\"> </span>If i<span class=\"_ _6\"></span>n a sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>n be rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d ob<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely to a<span class=\"_ _6\"></span>n event o<span class=\"_ _6\"></span>ccu<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t was re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed, t<span class=\"_ _6\"></span>he previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>s reverse<span class=\"_ _6\"></span>d, to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et d<span class=\"_ _6\"></span>oes n<span class=\"_ _6\"></span>ot exce<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>ts amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he rever<span class=\"_ _6\"></span>sal d<span class=\"_ _6\"></span>ate. A<span class=\"_ _6\"></span>ny sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt revers<span class=\"_ _6\"></span>al of an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt of comprehen<span class=\"_ _0\"></span>sive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Derecognition<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> assets<span class=\"_ _2f2\"> </span>Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts are d<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed on<span class=\"_ _6\"></span>ly wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al ri<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s expi<span class=\"_ _6\"></span>re or t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up has e<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t to rece<span class=\"_ _6\"></span>ive th<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>at as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>, or h<span class=\"_ _6\"></span>as ass<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>d an o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to pay t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows to on<span class=\"_ _6\"></span>e or m<span class=\"_ _6\"></span>ore rec<span class=\"_ _6\"></span>ipi<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p dere<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>es a tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t if i<span class=\"_ _6\"></span>t tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fers s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly al<span class=\"_ _6\"></span>l th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d reward<span class=\"_ _6\"></span>s of own<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip.<span class=\"_ _2f2\"> </span>Financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span>Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r paya<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue an<span class=\"_ _6\"></span>d sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>ntl<span class=\"_ _6\"></span>y at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue of a n<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t-b<span class=\"_ _6\"></span>ear<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>s it<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d repay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t. I<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e due d<span class=\"_ _6\"></span>ate of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y is le<span class=\"_ _6\"></span>ss t<span class=\"_ _6\"></span>han o<span class=\"_ _6\"></span>ne yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng is o<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>A fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is de<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e obl<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e lia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is dis<span class=\"_ _6\"></span>cha<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>d or c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>r exp<span class=\"_ _6\"></span>ires. Bank borr<span class=\"_ _0\"></span>owing<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span>Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s (drawd<span class=\"_ _6\"></span>owns u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t faci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es) are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e, bei<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r iss<span class=\"_ _6\"></span>ue p<span class=\"_ _6\"></span>roce<span class=\"_ _6\"></span>eds ne<span class=\"_ _6\"></span>t of tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on cos<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. Th<span class=\"_ _6\"></span>ese in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t usi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>ive intere<span class=\"_ _0\"></span>st rate<span class=\"_ _0\"></span> method. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-430": {
   "value": "Financial assets<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p dete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ines t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of i<span class=\"_ _6\"></span>ts f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts at<span class=\"_ _6\"></span> ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. T<span class=\"_ _6\"></span>he req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts of I<span class=\"_ _6\"></span>FRS 9 for c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n an<span class=\"_ _6\"></span>d subs<span class=\"_ _6\"></span>eq<span class=\"_ _6\"></span>uen<span class=\"_ _6\"></span>t mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t are ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ed, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h requ<span class=\"_ _6\"></span>ire fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s to be cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span>\u2019s bus<span class=\"_ _6\"></span>ines<span class=\"_ _6\"></span>s mo<span class=\"_ _6\"></span>del fo<span class=\"_ _6\"></span>r man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low cha<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cs of t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ey are </span></span>he<span class=\"_ _6\"></span>ld wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin a b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>, the o<span class=\"_ _6\"></span>bj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tive o<span class=\"_ _6\"></span>f whi<span class=\"_ _6\"></span>ch is to ho<span class=\"_ _6\"></span>ld f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s in o<span class=\"_ _6\"></span>rder t<span class=\"_ _6\"></span>o col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash fl<span class=\"_ _6\"></span>ows, an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt so<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ly paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts of p<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t;  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er </span></span>com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e (\u201cF<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TOCI<span class=\"_ _6\"></span>\u201d) i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ey are he<span class=\"_ _6\"></span>ld wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed as \u201dh<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d to col<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d sel<span class=\"_ _6\"></span>l\u201d, th<span class=\"_ _6\"></span>e obj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve of whi<span class=\"_ _6\"></span>ch is a<span class=\"_ _6\"></span>chi<span class=\"_ _6\"></span>eved by bo<span class=\"_ _6\"></span>th c<span class=\"_ _6\"></span>oll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows a<span class=\"_ _6\"></span>nd se<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt so<span class=\"_ _6\"></span>lel<span class=\"_ _6\"></span>y paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts of pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t; a<span class=\"_ _6\"></span>nd <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l asse<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>at do no<span class=\"_ _6\"></span>t me<span class=\"_ _6\"></span>et th<span class=\"_ _6\"></span>e cri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia to be am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d </span></span>cos<span class=\"_ _6\"></span>t or F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TOCI a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss (\u201c<span class=\"_ _6\"></span>F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL<span class=\"_ _b\"></span>\u201d). In ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up m<span class=\"_ _6\"></span>ay<span class=\"_ _b\"></span>, a<span class=\"_ _6\"></span>t ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, des<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>nate a f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t as me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL i<span class=\"_ _6\"></span>f doi<span class=\"_ _6\"></span>ng so e<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ates o<span class=\"_ _6\"></span>r sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly red<span class=\"_ _6\"></span>uce<span class=\"_ _6\"></span>s an accounting mismat<span class=\"_ _0\"></span>ch.<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>en fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ass<span class=\"_ _6\"></span>ets are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, they are<span class=\"_ _6\"></span> me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e, plu<span class=\"_ _6\"></span>s, in th<span class=\"_ _6\"></span>e case of i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts no<span class=\"_ _6\"></span>t at fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>it or l<span class=\"_ _6\"></span>oss, d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ly at<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e tra<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. The purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>e of any credi<span class=\"_ _6\"></span>t-i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ired as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s is als<span class=\"_ _6\"></span>o at fair value<span class=\"_ _0\"></span> af<span class=\"_ _6\"></span>ter an<span class=\"_ _0\"></span>y impairment.<span class=\"_ _2f2\"> </span>E<span class=\"_ _6\"></span>xcep<span class=\"_ _6\"></span>t for cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>s des<span class=\"_ _6\"></span>cri<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>low, the G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>oe<span class=\"_ _6\"></span>s not re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>e on i<span class=\"_ _6\"></span>ts b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>rra<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tors as i<span class=\"_ _6\"></span>t is n<span class=\"_ _6\"></span>ot a pr<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>ipa<span class=\"_ _6\"></span>l pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd is n<span class=\"_ _6\"></span>ot ex<span class=\"_ _6\"></span>pose<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he ris<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d reward<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns. Wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>rus<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>-i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts an<span class=\"_ _6\"></span>d SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>, all fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are he<span class=\"_ _6\"></span>ld to co<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tua<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows.<span class=\"_ _2f2\"> </span>The fo<span class=\"_ _6\"></span>ur t<span class=\"_ _6\"></span>yp<span class=\"_ _6\"></span>es of S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d are as fo<span class=\"_ _6\"></span>llows:<span class=\"_ _2f2\"> </span>i) S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e thr<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss<span class=\"_ _2f2\"> </span>Thi<span class=\"_ _6\"></span>s cat<span class=\"_ _6\"></span>ego<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>des l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ily f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed as f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss an<span class=\"_ _6\"></span>d are h<span class=\"_ _6\"></span>eld w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of se<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>n to inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>. They a<span class=\"_ _6\"></span>re ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e on th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he su<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>urem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue wi<span class=\"_ _6\"></span>th a<span class=\"_ _6\"></span>ll ga<span class=\"_ _6\"></span>ins a<span class=\"_ _6\"></span>nd lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s bei<span class=\"_ _6\"></span>ng re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>ed statement of<span class=\"_ _0\"></span> compreh<span class=\"_ _0\"></span>ensiv<span class=\"_ _0\"></span>e income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>ii<span class=\"_ _6\"></span>) SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ed c<span class=\"_ _6\"></span>ost<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p hol<span class=\"_ _6\"></span>ds inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts in c<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n SM<span class=\"_ _6\"></span>E bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss lo<span class=\"_ _6\"></span>ans as a resu<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t of com<span class=\"_ _6\"></span>merc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l inves<span class=\"_ _6\"></span>tors a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>n cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>lso b<span class=\"_ _6\"></span>uys ba<span class=\"_ _6\"></span>ck lo<span class=\"_ _6\"></span>ans f<span class=\"_ _6\"></span>rom inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The<span class=\"_ _6\"></span>se lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>re inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t (see n<span class=\"_ _6\"></span>ote 12) an<span class=\"_ _6\"></span>d are cl<span class=\"_ _6\"></span>assi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t (as th<span class=\"_ _6\"></span>ey are he<span class=\"_ _6\"></span>ld so<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ly to co<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>ct p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>l and i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts) an<span class=\"_ _6\"></span>d are ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e and s<span class=\"_ _6\"></span>ubse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tly m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t le<span class=\"_ _6\"></span>ss prov<span class=\"_ _6\"></span>isio<span class=\"_ _6\"></span>n for i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. ii<span class=\"_ _6\"></span>i) Li<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>s of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span>Lend<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct is re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. This re<span class=\"_ _6\"></span>pres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he dr<span class=\"_ _6\"></span>awn amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e fac<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies, n<span class=\"_ _6\"></span>et of EC<span class=\"_ _6\"></span>L. Th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tua<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>t so<span class=\"_ _6\"></span>lel<span class=\"_ _6\"></span>y paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts of p<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t (\u201c<span class=\"_ _6\"></span>SPPI<span class=\"_ _6\"></span>\u201d) an<span class=\"_ _6\"></span>d the b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l und<span class=\"_ _6\"></span>er wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>hey a<span class=\"_ _6\"></span>re hel<span class=\"_ _6\"></span>d is in o<span class=\"_ _6\"></span>rde<span class=\"_ _6\"></span>r to co<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ual c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g in th<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>nes of cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t bei<span class=\"_ _6\"></span>ng m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>red i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tia<span class=\"_ _6\"></span>lly a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue an<span class=\"_ _6\"></span>d sub<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on fe<span class=\"_ _6\"></span>e asso<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ated w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h Flex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9 wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me at t<span class=\"_ _6\"></span>he ef<span class=\"_ _6\"></span>fective<span class=\"_ _0\"></span> inter<span class=\"_ _0\"></span>est rate<span class=\"_ _0\"></span> in the<span class=\"_ _0\"></span> consolidated statement<span class=\"_ _0\"></span> of com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e an<span class=\"_ _6\"></span>d is reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d over th<span class=\"_ _6\"></span>e exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he dr<span class=\"_ _6\"></span>awdow<span class=\"_ _6\"></span>n. The Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t are h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d net of ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owa<span class=\"_ _6\"></span>nces u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er IFR<span class=\"_ _6\"></span>S 9, th<span class=\"_ _6\"></span>e met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>log<span class=\"_ _6\"></span>y and d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of whi<span class=\"_ _6\"></span>ch al<span class=\"_ _6\"></span>ign t<span class=\"_ _6\"></span>o the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>y on im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>irm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the exc<span class=\"_ _6\"></span>ept<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of be<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d at t<span class=\"_ _6\"></span>he avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ble l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>evel, e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ine of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it to t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t of def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>, and a<span class=\"_ _6\"></span>re det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d fur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in no<span class=\"_ _6\"></span>te 1<span class=\"_ _6\"></span>6. Add<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t l<span class=\"_ _6\"></span>oss a<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t, es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>, los<span class=\"_ _6\"></span>s given d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t and ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ure at de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>n rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t were t<span class=\"_ _6\"></span>hey to be d<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n. Thi<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>rawn po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f the l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce is re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es in n<span class=\"_ _6\"></span>ote 15<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>iv) I<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p hol<span class=\"_ _6\"></span>ds a mi<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>al own<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>et up to f<span class=\"_ _6\"></span>und C<span class=\"_ _6\"></span>BI<span class=\"_ _6\"></span>LS, GGS<span class=\"_ _6\"></span>, RLS a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l loa<span class=\"_ _6\"></span>ns wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the maj<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ben<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>al own<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d by ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>. The SM<span class=\"_ _6\"></span>E loan<span class=\"_ _6\"></span>s are ori<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d by <span class=\"_ _0\"></span>Gro<span class=\"_ _6\"></span>up sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s, Fund<span class=\"_ _6\"></span>ing Ci<span class=\"_ _6\"></span>rcle Fo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l Point Len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d for CBI<span class=\"_ _6\"></span>LS and Fund<span class=\"_ _6\"></span>ing Ci<span class=\"_ _6\"></span>rcle Ecl<span class=\"_ _6\"></span>ips<span class=\"_ _6\"></span>e Lendi<span class=\"_ _6\"></span>ng Lim<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ed or Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Pola<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span> Lend<span class=\"_ _6\"></span>ing Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted for G<span class=\"_ _6\"></span>GS, RLS an<span class=\"_ _6\"></span>d comm<span class=\"_ _6\"></span>erci<span class=\"_ _6\"></span>al lo<span class=\"_ _6\"></span>ans, wh<span class=\"_ _6\"></span>ich<span class=\"_ _6\"></span> ret<span class=\"_ _6\"></span>ain l<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>ese en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies h<span class=\"_ _6\"></span>old t<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>s leg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t on beh<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>f of the ma<span class=\"_ _6\"></span>jo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y investo<span class=\"_ _6\"></span>rs who s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly ret<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span> th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e CBI<span class=\"_ _6\"></span>LS, GGS, RLS a<span class=\"_ _6\"></span>nd com<span class=\"_ _6\"></span>merc<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span> lo<span class=\"_ _6\"></span>ans g<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>e and t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>refore t<span class=\"_ _6\"></span>he tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in, in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g the S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans, are no<span class=\"_ _6\"></span>t cons<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er i<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ls th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia of I<span class=\"_ _6\"></span>FRS 10. C<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed to ex<span class=\"_ _6\"></span>ist if t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as th<span class=\"_ _6\"></span>e powe<span class=\"_ _6\"></span>r to dire<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es of en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies an<span class=\"_ _6\"></span>d str<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res an<span class=\"_ _6\"></span>d uses t<span class=\"_ _6\"></span>his co<span class=\"_ _6\"></span>ntro<span class=\"_ _6\"></span>l to obt<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n a vari<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ret<span class=\"_ _6\"></span>urn<span class=\"_ _6\"></span>, to whi<span class=\"_ _6\"></span>ch i<span class=\"_ _6\"></span>t is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to the m<span class=\"_ _6\"></span>ajo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y. As the<span class=\"_ _6\"></span> Gro<span class=\"_ _6\"></span>up\u2019s ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing i<span class=\"_ _6\"></span>s sma<span class=\"_ _6\"></span>ll com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red to t<span class=\"_ _6\"></span>he maj<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>r an<span class=\"_ _6\"></span>d par<span class=\"_ _6\"></span>i pas<span class=\"_ _6\"></span>su, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>s not ex<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>sed to t<span class=\"_ _6\"></span>he m<span class=\"_ _6\"></span>ajo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows of t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>rus<span class=\"_ _6\"></span>t, a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>t is n<span class=\"_ _6\"></span>ot con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ruc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ures, s<span class=\"_ _6\"></span>o th<span class=\"_ _6\"></span>ey are no<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s are cl<span class=\"_ _6\"></span>assi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s. They a<span class=\"_ _6\"></span>re ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t wit<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue wi<span class=\"_ _6\"></span>th a<span class=\"_ _6\"></span>ll ga<span class=\"_ _6\"></span>ins an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>ses b<span class=\"_ _6\"></span>ein<span class=\"_ _6\"></span>g reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted statement of<span class=\"_ _0\"></span> compreh<span class=\"_ _0\"></span>ensiv<span class=\"_ _0\"></span>e income<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup r<span class=\"_ _0\"></span>ecognises transaction f<span class=\"_ _0\"></span>ee income<span class=\"_ _0\"></span> on origination of lo<span class=\"_ _6\"></span>ans w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust a<span class=\"_ _6\"></span>nd s<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ce fee i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me on t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t, e<span class=\"_ _6\"></span>lim<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng i<span class=\"_ _6\"></span>ts p<span class=\"_ _6\"></span>ropo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal ow<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p sha<span class=\"_ _6\"></span>re of th<span class=\"_ _6\"></span>e ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice fe<span class=\"_ _6\"></span>es. A s<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>me le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er fee i<span class=\"_ _6\"></span>s cha<span class=\"_ _6\"></span>rged i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to th<span class=\"_ _6\"></span>e or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of CB<span class=\"_ _6\"></span>ILS a<span class=\"_ _6\"></span>nd RLS l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to ret<span class=\"_ _6\"></span>urn<span class=\"_ _6\"></span>s on t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>Other financial assets<span class=\"_ _2f2\"> </span>Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ance s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et as t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s are cl<span class=\"_ _6\"></span>assi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>hey are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e and s<span class=\"_ _6\"></span>ubse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tly m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t le<span class=\"_ _6\"></span>ss prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on for i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. Ne<span class=\"_ _6\"></span>t inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>ease re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>les a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s repres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e net p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt rec<span class=\"_ _6\"></span>eiva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e. Inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t is rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r costs in<span class=\"_ _0\"></span> the statement o<span class=\"_ _0\"></span>f compr<span class=\"_ _0\"></span>ehensiv<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>ome.<span class=\"_ _2f2\"> </span>Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>re cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of mo<span class=\"_ _6\"></span>ney ma<span class=\"_ _6\"></span>rket f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at are cl<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed as F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL. C<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de c<span class=\"_ _6\"></span>ash i<span class=\"_ _6\"></span>n han<span class=\"_ _6\"></span>d, de<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld at c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>l wi<span class=\"_ _6\"></span>th b<span class=\"_ _6\"></span>anks<span class=\"_ _6\"></span>, mon<span class=\"_ _6\"></span>ey mar<span class=\"_ _6\"></span>ket f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s and ot<span class=\"_ _6\"></span>her s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t-te<span class=\"_ _6\"></span>rm h<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ly li<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>al ma<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>ree m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs o<span class=\"_ _6\"></span>r les<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e car<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>ese as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts ap<span class=\"_ _6\"></span>prox<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes to t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue.<span class=\"_ _2f2\"> </span>Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>f IFRS 9. The I<span class=\"_ _6\"></span>FRS 9 imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l req<span class=\"_ _6\"></span>uires a t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e-s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>age a<span class=\"_ _6\"></span>ppro<span class=\"_ _6\"></span>ach: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 inc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>des f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have no<span class=\"_ _6\"></span>t had a </span></span>signific<span class=\"_ _6\"></span>ant inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> in cr<span class=\"_ _0\"></span>edit risk since<span class=\"_ _0\"></span> initial recognition or th<span class=\"_ _6\"></span>at have l<span class=\"_ _6\"></span>ow cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k at th<span class=\"_ _6\"></span>e rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g dat<span class=\"_ _6\"></span>e. For th<span class=\"_ _6\"></span>ese ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s, 12-mon<span class=\"_ _6\"></span>th ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ses (\u201c<span class=\"_ _6\"></span>ECL<span class=\"_ _6\"></span>s\u201d) (<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>at is, exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es ar<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e nex<span class=\"_ _6\"></span>t 12 mon<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>s) are reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>st in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ted on t<span class=\"_ _6\"></span>he gro<span class=\"_ _6\"></span>ss c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt of t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t (th<span class=\"_ _6\"></span>at is<span class=\"_ _6\"></span>, wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce)<span class=\"_ _0\"></span>.  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2 ls3d ws47\">S<span class=\"_ _6\"></span>tage 2 includes financial<span class=\"_ _0\"></span> instruments that ha<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span> had a </span></span>signific<span class=\"_ _6\"></span>ant inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> in cr<span class=\"_ _0\"></span>edit risk since<span class=\"_ _0\"></span> initial recognition (unl<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>hey h<span class=\"_ _6\"></span>ave low cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k at t<span class=\"_ _6\"></span>he rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g da<span class=\"_ _6\"></span>te) but are no<span class=\"_ _6\"></span>t cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d. Fo<span class=\"_ _6\"></span>r the<span class=\"_ _6\"></span>se as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECLs (<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>at is, ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t over t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t) are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed, a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is st<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he g<span class=\"_ _6\"></span>ross c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>unt o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>roup as<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>mes t<span class=\"_ _6\"></span>here h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en a s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k i<span class=\"_ _6\"></span>f ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s excee<span class=\"_ _6\"></span>d 30 d<span class=\"_ _6\"></span>ays pas<span class=\"_ _6\"></span>t du<span class=\"_ _6\"></span>e, in li<span class=\"_ _6\"></span>ne wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e reb<span class=\"_ _6\"></span>ut<span class=\"_ _5\"></span>tab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>resum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion p<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 9, or w<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk s<span class=\"_ _6\"></span>core of t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r is ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d to have de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ior<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d above a cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>resh<span class=\"_ _6\"></span>old re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to the<span class=\"_ _6\"></span>ir sc<span class=\"_ _6\"></span>ore at o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>, at wh<span class=\"_ _6\"></span>ich p<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>he ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to be s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2. <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">St<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 3 cons<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>s of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l asse<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>at are cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d, </span></span>whi<span class=\"_ _6\"></span>ch is w<span class=\"_ _6\"></span>hen o<span class=\"_ _6\"></span>ne o<span class=\"_ _6\"></span>r more even<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have a de<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ime<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>al imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et have occu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. For th<span class=\"_ _6\"></span>ese ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _6\"></span>s are also reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed<span class=\"_ _6\"></span>, bu<span class=\"_ _6\"></span>t inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t inc<span class=\"_ _6\"></span>ome i<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>et ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt (t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t is, ne<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ECL a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce)<span class=\"_ _0\"></span>. The Gro<span class=\"_ _6\"></span>up de<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>nes a d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t, cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3, as a<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>et wi<span class=\"_ _6\"></span>th any ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s excee<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g a 90<span class=\"_ _6\"></span>-d<span class=\"_ _6\"></span>ay due da<span class=\"_ _6\"></span>te, whi<span class=\"_ _6\"></span>ch ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e poi<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to be d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted. A<span class=\"_ _6\"></span>n ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt th<span class=\"_ _6\"></span>at is d<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>d to be f<span class=\"_ _6\"></span>rau<span class=\"_ _6\"></span>dul<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t (i.e. th<span class=\"_ _6\"></span>ird p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n fra<span class=\"_ _6\"></span>ud) is w<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f a<span class=\"_ _6\"></span>t poi<span class=\"_ _6\"></span>nt of identif<span class=\"_ _6\"></span>ication. <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls2b ws66\">In som<span class=\"_ _6\"></span>e circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces wh<span class=\"_ _6\"></span>ere as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s are bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k by </span></span>th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p, the f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>se me<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f purc<span class=\"_ _6\"></span>hase<span class=\"_ _6\"></span>d or o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red (\u201c<span class=\"_ _6\"></span>PO<span class=\"_ _6\"></span>CI<span class=\"_ _6\"></span>\u201d), and i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t is t<span class=\"_ _6\"></span>here<span class=\"_ _6\"></span>fore ba<span class=\"_ _6\"></span>sed on l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s on a for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e expe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>ses as<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>ed wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h it<span class=\"_ _6\"></span>s fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s car<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ed at amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t and rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s a <span class=\"_ _0\"></span>los<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce for su<span class=\"_ _6\"></span>ch los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span> at e<span class=\"_ _6\"></span>ach rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g da<span class=\"_ _6\"></span>te. The m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt of E<span class=\"_ _6\"></span>CLs ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>n un<span class=\"_ _6\"></span>bias<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>weig<span class=\"_ _6\"></span>hte<span class=\"_ _6\"></span>d amo<span class=\"_ _6\"></span>unt t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t is </span></span>de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by eval<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g a ra<span class=\"_ _6\"></span>nge o<span class=\"_ _6\"></span>f pos<span class=\"_ _6\"></span>sib<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>utc<span class=\"_ _6\"></span>ome<span class=\"_ _6\"></span>s; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>ue of m<span class=\"_ _6\"></span>oney; a<span class=\"_ _6\"></span>nd</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>nd su<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>at is avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e </span></span>wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>due c<span class=\"_ _6\"></span>ost o<span class=\"_ _6\"></span>r ef<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>ate ab<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t pas<span class=\"_ _6\"></span>t even<span class=\"_ _6\"></span>ts, cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure economic c<span class=\"_ _0\"></span>onditions.<span class=\"_ _2f2\"> </span>If i<span class=\"_ _6\"></span>n a sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>n be rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d ob<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely to a<span class=\"_ _6\"></span>n event o<span class=\"_ _6\"></span>ccu<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t was re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed, t<span class=\"_ _6\"></span>he previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>s reverse<span class=\"_ _6\"></span>d, to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et d<span class=\"_ _6\"></span>oes n<span class=\"_ _6\"></span>ot exce<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>ts amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he rever<span class=\"_ _6\"></span>sal d<span class=\"_ _6\"></span>ate. A<span class=\"_ _6\"></span>ny sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt revers<span class=\"_ _6\"></span>al of an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt of comprehen<span class=\"_ _0\"></span>sive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Derecognition<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> assets<span class=\"_ _2f2\"> </span>Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts are d<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed on<span class=\"_ _6\"></span>ly wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al ri<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s expi<span class=\"_ _6\"></span>re or t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up has e<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t to rece<span class=\"_ _6\"></span>ive th<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>at as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>, or h<span class=\"_ _6\"></span>as ass<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>d an o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to pay t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows to on<span class=\"_ _6\"></span>e or m<span class=\"_ _6\"></span>ore rec<span class=\"_ _6\"></span>ipi<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p dere<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>es a tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t if i<span class=\"_ _6\"></span>t tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fers s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly al<span class=\"_ _6\"></span>l th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d reward<span class=\"_ _6\"></span>s of own<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-458": {
   "value": "The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p dete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ines t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of i<span class=\"_ _6\"></span>ts f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts at<span class=\"_ _6\"></span> ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. T<span class=\"_ _6\"></span>he req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts of I<span class=\"_ _6\"></span>FRS 9 for c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n an<span class=\"_ _6\"></span>d subs<span class=\"_ _6\"></span>eq<span class=\"_ _6\"></span>uen<span class=\"_ _6\"></span>t mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t are ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ed, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h requ<span class=\"_ _6\"></span>ire fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s to be cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span>\u2019s bus<span class=\"_ _6\"></span>ines<span class=\"_ _6\"></span>s mo<span class=\"_ _6\"></span>del fo<span class=\"_ _6\"></span>r man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low cha<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cs of t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ey are </span></span>he<span class=\"_ _6\"></span>ld wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin a b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>, the o<span class=\"_ _6\"></span>bj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tive o<span class=\"_ _6\"></span>f whi<span class=\"_ _6\"></span>ch is to ho<span class=\"_ _6\"></span>ld f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s in o<span class=\"_ _6\"></span>rder t<span class=\"_ _6\"></span>o col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash fl<span class=\"_ _6\"></span>ows, an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt so<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ly paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts of p<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t;  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er </span></span>com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e (\u201cF<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TOCI<span class=\"_ _6\"></span>\u201d) i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ey are he<span class=\"_ _6\"></span>ld wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed as \u201dh<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d to col<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d sel<span class=\"_ _6\"></span>l\u201d, th<span class=\"_ _6\"></span>e obj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve of whi<span class=\"_ _6\"></span>ch is a<span class=\"_ _6\"></span>chi<span class=\"_ _6\"></span>eved by bo<span class=\"_ _6\"></span>th c<span class=\"_ _6\"></span>oll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows a<span class=\"_ _6\"></span>nd se<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>eir c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt so<span class=\"_ _6\"></span>lel<span class=\"_ _6\"></span>y paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts of pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t; a<span class=\"_ _6\"></span>nd <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l asse<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>at do no<span class=\"_ _6\"></span>t me<span class=\"_ _6\"></span>et th<span class=\"_ _6\"></span>e cri<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ia to be am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d </span></span>cos<span class=\"_ _6\"></span>t or F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TOCI a<span class=\"_ _6\"></span>re meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss (\u201c<span class=\"_ _6\"></span>F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL<span class=\"_ _b\"></span>\u201d). In ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up m<span class=\"_ _6\"></span>ay<span class=\"_ _b\"></span>, a<span class=\"_ _6\"></span>t ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, des<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>nate a f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t as me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL i<span class=\"_ _6\"></span>f doi<span class=\"_ _6\"></span>ng so e<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ates o<span class=\"_ _6\"></span>r sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly red<span class=\"_ _6\"></span>uce<span class=\"_ _6\"></span>s an accounting mismat<span class=\"_ _0\"></span>ch.<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>en fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ass<span class=\"_ _6\"></span>ets are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, they are<span class=\"_ _6\"></span> me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e, plu<span class=\"_ _6\"></span>s, in th<span class=\"_ _6\"></span>e case of i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts no<span class=\"_ _6\"></span>t at fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>it or l<span class=\"_ _6\"></span>oss, d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ly at<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e tra<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. The purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>e of any credi<span class=\"_ _6\"></span>t-i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ired as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s is als<span class=\"_ _6\"></span>o at fair value<span class=\"_ _0\"></span> af<span class=\"_ _6\"></span>ter an<span class=\"_ _0\"></span>y impairment.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-459": {
   "value": "Other financial assets<span class=\"_ _2f2\"> </span>Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ance s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et as t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s are cl<span class=\"_ _6\"></span>assi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>hey are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e and s<span class=\"_ _6\"></span>ubse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tly m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ured at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t le<span class=\"_ _6\"></span>ss prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on for i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. Ne<span class=\"_ _6\"></span>t inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>ease re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>les a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as ot<span class=\"_ _6\"></span>her re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s repres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e net p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ase p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt rec<span class=\"_ _6\"></span>eiva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e. Inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t is rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r costs in<span class=\"_ _0\"></span> the statement o<span class=\"_ _0\"></span>f compr<span class=\"_ _0\"></span>ehensiv<span class=\"_ _0\"></span>e inc<span class=\"_ _0\"></span>ome.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-460": {
   "value": "Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>re cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of mo<span class=\"_ _6\"></span>ney ma<span class=\"_ _6\"></span>rket f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at are cl<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed as F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL. C<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de c<span class=\"_ _6\"></span>ash i<span class=\"_ _6\"></span>n han<span class=\"_ _6\"></span>d, de<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld at c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>l wi<span class=\"_ _6\"></span>th b<span class=\"_ _6\"></span>anks<span class=\"_ _6\"></span>, mon<span class=\"_ _6\"></span>ey mar<span class=\"_ _6\"></span>ket f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s and ot<span class=\"_ _6\"></span>her s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t-te<span class=\"_ _6\"></span>rm h<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ly li<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>al ma<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>ree m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs o<span class=\"_ _6\"></span>r les<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e car<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>ese as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts ap<span class=\"_ _6\"></span>prox<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes to t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-475": {
   "value": "Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>f IFRS 9. The I<span class=\"_ _6\"></span>FRS 9 imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l req<span class=\"_ _6\"></span>uires a t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e-s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>age a<span class=\"_ _6\"></span>ppro<span class=\"_ _6\"></span>ach: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 inc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>des f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have no<span class=\"_ _6\"></span>t had a </span></span>signific<span class=\"_ _6\"></span>ant inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> in cr<span class=\"_ _0\"></span>edit risk since<span class=\"_ _0\"></span> initial recognition or th<span class=\"_ _6\"></span>at have l<span class=\"_ _6\"></span>ow cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k at th<span class=\"_ _6\"></span>e rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g dat<span class=\"_ _6\"></span>e. For th<span class=\"_ _6\"></span>ese ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s, 12-mon<span class=\"_ _6\"></span>th ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ses (\u201c<span class=\"_ _6\"></span>ECL<span class=\"_ _6\"></span>s\u201d) (<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>at is, exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es ar<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e nex<span class=\"_ _6\"></span>t 12 mon<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>s) are reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>st in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ted on t<span class=\"_ _6\"></span>he gro<span class=\"_ _6\"></span>ss c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt of t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t (th<span class=\"_ _6\"></span>at is<span class=\"_ _6\"></span>, wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce)<span class=\"_ _0\"></span>.  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2 ls3d ws47\">S<span class=\"_ _6\"></span>tage 2 includes financial<span class=\"_ _0\"></span> instruments that ha<span class=\"_ _0\"></span>ve<span class=\"_ _0\"></span> had a </span></span>signific<span class=\"_ _6\"></span>ant inc<span class=\"_ _0\"></span>rease<span class=\"_ _0\"></span> in cr<span class=\"_ _0\"></span>edit risk since<span class=\"_ _0\"></span> initial recognition (unl<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>hey h<span class=\"_ _6\"></span>ave low cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k at t<span class=\"_ _6\"></span>he rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g da<span class=\"_ _6\"></span>te) but are no<span class=\"_ _6\"></span>t cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d. Fo<span class=\"_ _6\"></span>r the<span class=\"_ _6\"></span>se as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECLs (<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>at is, ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t over t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t) are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed, a<span class=\"_ _6\"></span>nd in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is st<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he g<span class=\"_ _6\"></span>ross c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>unt o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>roup as<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>mes t<span class=\"_ _6\"></span>here h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en a s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k i<span class=\"_ _6\"></span>f ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s excee<span class=\"_ _6\"></span>d 30 d<span class=\"_ _6\"></span>ays pas<span class=\"_ _6\"></span>t du<span class=\"_ _6\"></span>e, in li<span class=\"_ _6\"></span>ne wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e reb<span class=\"_ _6\"></span>ut<span class=\"_ _5\"></span>tab<span class=\"_ _6\"></span>le p<span class=\"_ _6\"></span>resum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion p<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 9, or w<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk s<span class=\"_ _6\"></span>core of t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r is ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d to have de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ior<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d above a cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>resh<span class=\"_ _6\"></span>old re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to the<span class=\"_ _6\"></span>ir sc<span class=\"_ _6\"></span>ore at o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>, at wh<span class=\"_ _6\"></span>ich p<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>he ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s are co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to be s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2. <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls29 ws87\">St<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 3 cons<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>s of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l asse<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>at are cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>aire<span class=\"_ _6\"></span>d, </span></span>whi<span class=\"_ _6\"></span>ch is w<span class=\"_ _6\"></span>hen o<span class=\"_ _6\"></span>ne o<span class=\"_ _6\"></span>r more even<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t have a de<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ime<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>al imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et have occu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. For th<span class=\"_ _6\"></span>ese ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s, li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _6\"></span>s are also reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed<span class=\"_ _6\"></span>, bu<span class=\"_ _6\"></span>t inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t inc<span class=\"_ _6\"></span>ome i<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>et ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt (t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t is, ne<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e ECL a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce)<span class=\"_ _0\"></span>. The Gro<span class=\"_ _6\"></span>up de<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>nes a d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t, cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3, as a<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>et wi<span class=\"_ _6\"></span>th any ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s excee<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g a 90<span class=\"_ _6\"></span>-d<span class=\"_ _6\"></span>ay due da<span class=\"_ _6\"></span>te, whi<span class=\"_ _6\"></span>ch ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e poi<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to be d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted. A<span class=\"_ _6\"></span>n ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt th<span class=\"_ _6\"></span>at is d<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>d to be f<span class=\"_ _6\"></span>rau<span class=\"_ _6\"></span>dul<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t (i.e. th<span class=\"_ _6\"></span>ird p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n fra<span class=\"_ _6\"></span>ud) is w<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f a<span class=\"_ _6\"></span>t poi<span class=\"_ _6\"></span>nt of identif<span class=\"_ _6\"></span>ication. <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _21\"> </span><span class=\"ff55 fc2 ls2b ws66\">In som<span class=\"_ _6\"></span>e circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces wh<span class=\"_ _6\"></span>ere as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s are bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k by </span></span>th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p, the f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>se me<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f purc<span class=\"_ _6\"></span>hase<span class=\"_ _6\"></span>d or o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red (\u201c<span class=\"_ _6\"></span>PO<span class=\"_ _6\"></span>CI<span class=\"_ _6\"></span>\u201d), and i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t is t<span class=\"_ _6\"></span>here<span class=\"_ _6\"></span>fore ba<span class=\"_ _6\"></span>sed on l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s on a for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e expe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>ses as<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>ed wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h it<span class=\"_ _6\"></span>s fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s car<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ed at amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t and rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s a <span class=\"_ _0\"></span>los<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce for su<span class=\"_ _6\"></span>ch los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span> at e<span class=\"_ _6\"></span>ach rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g da<span class=\"_ _6\"></span>te. The m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt of E<span class=\"_ _6\"></span>CLs ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">a<span class=\"_ _6\"></span>n un<span class=\"_ _6\"></span>bias<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>weig<span class=\"_ _6\"></span>hte<span class=\"_ _6\"></span>d amo<span class=\"_ _6\"></span>unt t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t is </span></span>de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by eval<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g a ra<span class=\"_ _6\"></span>nge o<span class=\"_ _6\"></span>f pos<span class=\"_ _6\"></span>sib<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>utc<span class=\"_ _6\"></span>ome<span class=\"_ _6\"></span>s; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>ue of m<span class=\"_ _6\"></span>oney; a<span class=\"_ _6\"></span>nd</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>nd su<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>at is avai<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e </span></span>wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>due c<span class=\"_ _6\"></span>ost o<span class=\"_ _6\"></span>r ef<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>ate ab<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t pas<span class=\"_ _6\"></span>t even<span class=\"_ _6\"></span>ts, cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure economic c<span class=\"_ _0\"></span>onditions.<span class=\"_ _2f2\"> </span>If i<span class=\"_ _6\"></span>n a sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>n be rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d ob<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely to a<span class=\"_ _6\"></span>n event o<span class=\"_ _6\"></span>ccu<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t was re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed, t<span class=\"_ _6\"></span>he previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ent l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>s reverse<span class=\"_ _6\"></span>d, to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et d<span class=\"_ _6\"></span>oes n<span class=\"_ _6\"></span>ot exce<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>ts amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he rever<span class=\"_ _6\"></span>sal d<span class=\"_ _6\"></span>ate. A<span class=\"_ _6\"></span>ny sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt revers<span class=\"_ _6\"></span>al of an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s is rec<span class=\"_ _6\"></span>og<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt of comprehen<span class=\"_ _0\"></span>sive<span class=\"_ _0\"></span> income<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-461": {
   "value": "Derecognition<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> assets<span class=\"_ _2f2\"> </span>Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts are d<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed on<span class=\"_ _6\"></span>ly wh<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al ri<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s expi<span class=\"_ _6\"></span>re or t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up has e<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t to rece<span class=\"_ _6\"></span>ive th<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>at as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>, or h<span class=\"_ _6\"></span>as ass<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>d an o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to pay t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows to on<span class=\"_ _6\"></span>e or m<span class=\"_ _6\"></span>ore rec<span class=\"_ _6\"></span>ipi<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p dere<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>es a tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t if i<span class=\"_ _6\"></span>t tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fers s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly al<span class=\"_ _6\"></span>l th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d reward<span class=\"_ _6\"></span>s of own<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip.<span class=\"_ _2f2\"> </span>A fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is de<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e obl<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e lia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is dis<span class=\"_ _6\"></span>cha<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>d or c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>r exp<span class=\"_ _6\"></span>ires. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-431": {
   "value": "Financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span>Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r paya<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue an<span class=\"_ _6\"></span>d sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>ntl<span class=\"_ _6\"></span>y at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t. T<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue of a n<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t-b<span class=\"_ _6\"></span>ear<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>s it<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d repay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t. I<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e due d<span class=\"_ _6\"></span>ate of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y is le<span class=\"_ _6\"></span>ss t<span class=\"_ _6\"></span>han o<span class=\"_ _6\"></span>ne yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng is o<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>A fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is de<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e obl<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e lia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is dis<span class=\"_ _6\"></span>cha<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>d or c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>r exp<span class=\"_ _6\"></span>ires. Bank borr<span class=\"_ _0\"></span>owing<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span>Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s (drawd<span class=\"_ _6\"></span>owns u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t faci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es) are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e, bei<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r iss<span class=\"_ _6\"></span>ue p<span class=\"_ _6\"></span>roce<span class=\"_ _6\"></span>eds ne<span class=\"_ _6\"></span>t of tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on cos<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. Th<span class=\"_ _6\"></span>ese in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t usi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>ive intere<span class=\"_ _0\"></span>st rate<span class=\"_ _0\"></span> method. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-462": {
   "value": "Bank borr<span class=\"_ _0\"></span>owing<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span>Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s (drawd<span class=\"_ _6\"></span>owns u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t faci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es) are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e, bei<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r iss<span class=\"_ _6\"></span>ue p<span class=\"_ _6\"></span>roce<span class=\"_ _6\"></span>eds ne<span class=\"_ _6\"></span>t of tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on cos<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>ncu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d. Th<span class=\"_ _6\"></span>ese in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t usi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>ive intere<span class=\"_ _0\"></span>st rate<span class=\"_ _0\"></span> method. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-388": {
   "value": "Provisions<span class=\"_ _2f2\"> </span>Provis<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s are rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d whe<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p has a p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion (l<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>al o<span class=\"_ _6\"></span>r cons<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ruc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive) as a resu<span class=\"_ _6\"></span>lt of a p<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t event<span class=\"_ _6\"></span>, it i<span class=\"_ _6\"></span>s prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l be req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>red to se<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>hat ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>nd a re<span class=\"_ _6\"></span>lia<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate c<span class=\"_ _6\"></span>an be m<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he ob<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>gat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-389": {
   "value": "Loan repurchases<span class=\"_ _2f2\"> </span>Loan re<span class=\"_ _6\"></span>purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>s is<span class=\"_ _6\"></span>sue<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p are t<span class=\"_ _6\"></span>hose con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ire a pay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t to be m<span class=\"_ _6\"></span>ade to re<span class=\"_ _6\"></span>imb<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>se th<span class=\"_ _6\"></span>e ho<span class=\"_ _6\"></span>lde<span class=\"_ _6\"></span>r for a l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>curs b<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>au<span class=\"_ _6\"></span>se th<span class=\"_ _6\"></span>e sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ied d<span class=\"_ _6\"></span>eb<span class=\"_ _6\"></span>tor f<span class=\"_ _6\"></span>ails t<span class=\"_ _6\"></span>o ma<span class=\"_ _6\"></span>ke a payme<span class=\"_ _6\"></span>nt wh<span class=\"_ _6\"></span>en du<span class=\"_ _6\"></span>e in a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>rdan<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>rms o<span class=\"_ _6\"></span>f a de<span class=\"_ _6\"></span>bt in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t. Loa<span class=\"_ _6\"></span>n rep<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly as a l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e, ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>r tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>at are d<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly at<span class=\"_ _5\"></span>tri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e iss<span class=\"_ _6\"></span>uan<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. The l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y is s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>eq<span class=\"_ _6\"></span>uen<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y meas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at th<span class=\"_ _6\"></span>e hi<span class=\"_ _6\"></span>ghe<span class=\"_ _6\"></span>r of th<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>st es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>te of th<span class=\"_ _6\"></span>e exp<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ure re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>red to s<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g date a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d les<span class=\"_ _6\"></span>s cum<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. Th<span class=\"_ _6\"></span>e exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t l<span class=\"_ _6\"></span>oss m<span class=\"_ _6\"></span>ode<span class=\"_ _6\"></span>l is us<span class=\"_ _6\"></span>ed to m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>re and re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l lia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-390": {
   "value": "Share capital Ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares are c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed as e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y w<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir ter<span class=\"_ _6\"></span>ms in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de no c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l obl<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsfe<span class=\"_ _6\"></span>r cas<span class=\"_ _6\"></span>h or a<span class=\"_ _6\"></span>not<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r financial ass<span class=\"_ _0\"></span>et to<span class=\"_ _0\"></span> another entity<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-391": {
   "value": "Earnings/<span class=\"_ _0\"></span>(lo<span class=\"_ _0\"></span>ss)<span class=\"_ _0\"></span> per share<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p prese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s bas<span class=\"_ _6\"></span>ic an<span class=\"_ _6\"></span>d di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s/(loss) p<span class=\"_ _6\"></span>er sh<span class=\"_ _6\"></span>are (\u201c<span class=\"_ _6\"></span>EPS\u201d<span class=\"_ _6\"></span>) for i<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>rdi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s. Bas<span class=\"_ _6\"></span>ic a<span class=\"_ _6\"></span>nd di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted EP<span class=\"_ _6\"></span>S are ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed by di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>/(los<span class=\"_ _6\"></span>s) at<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e to ordi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>old<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>s by the we<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hted ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r of ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the ye<span class=\"_ _6\"></span>ar excl<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>ng s<span class=\"_ _6\"></span>hares h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d as own s<span class=\"_ _6\"></span>hares i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny\u2019s Em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e Ben<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>it T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>r shares<span class=\"_ _0\"></span> held in tr<span class=\"_ _0\"></span>easury<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> For d<span class=\"_ _6\"></span>ilu<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d ear<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>gs p<span class=\"_ _6\"></span>er sh<span class=\"_ _6\"></span>are, t<span class=\"_ _6\"></span>he wei<span class=\"_ _6\"></span>ghte<span class=\"_ _6\"></span>d avera<span class=\"_ _6\"></span>ge n<span class=\"_ _6\"></span>umb<span class=\"_ _6\"></span>er of ord<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares i<span class=\"_ _6\"></span>n issu<span class=\"_ _6\"></span>e is a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d to ass<span class=\"_ _6\"></span>ume c<span class=\"_ _6\"></span>onvers<span class=\"_ _6\"></span>ion of al<span class=\"_ _6\"></span>l dil<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ive p<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>al o<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares<span class=\"_ _6\"></span>. The d<span class=\"_ _6\"></span>ilu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive po<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l ordinary shares<span class=\"_ _0\"></span> include those<span class=\"_ _0\"></span> share<span class=\"_ _0\"></span> options granted<span class=\"_ _0\"></span> to em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>es un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span>\u2019s sha<span class=\"_ _6\"></span>re-<span class=\"_ _6\"></span>bas<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>mpe<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion sch<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch do n<span class=\"_ _6\"></span>ot h<span class=\"_ _6\"></span>ave an exercis<span class=\"_ _6\"></span>e pr<span class=\"_ _6\"></span>ice o<span class=\"_ _6\"></span>r whe<span class=\"_ _6\"></span>re th<span class=\"_ _6\"></span>e exercis<span class=\"_ _6\"></span>e pr<span class=\"_ _6\"></span>ice i<span class=\"_ _6\"></span>s les<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>an th<span class=\"_ _6\"></span>e avera<span class=\"_ _6\"></span>ge ma<span class=\"_ _6\"></span>rket p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny\u2019s o<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares d<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-392": {
   "value": "Sh<span class=\"_ _6\"></span>are<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld by t<span class=\"_ _6\"></span>he Em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee B<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d Sh<span class=\"_ _6\"></span>are I<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tive<span class=\"_ _6\"></span> P<span class=\"_ _6\"></span>l<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>n<span class=\"_ _6\"></span> Tr<span class=\"_ _5\"></span>u<span class=\"_ _6\"></span>s<span class=\"_ _5\"></span>t<span class=\"_ _2f2\"> </span>The C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any ha<span class=\"_ _6\"></span>s est<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>hed a<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>hore Em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee Be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span> T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t (\u201cEBT\u201d<span class=\"_ _6\"></span>) and a<span class=\"_ _6\"></span>n onsh<span class=\"_ _6\"></span>ore Sh<span class=\"_ _6\"></span>are In<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve Plan (\u201c<span class=\"_ _6\"></span>SI<span class=\"_ _6\"></span>P\u201d<span class=\"_ _6\"></span>) T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>The EBT a<span class=\"_ _6\"></span>nd SI<span class=\"_ _6\"></span>P T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t provi<span class=\"_ _6\"></span>de for t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>e of sh<span class=\"_ _6\"></span>ares to G<span class=\"_ _6\"></span>roup em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>es pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y und<span class=\"_ _6\"></span>er s<span class=\"_ _6\"></span>hare o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion s<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>mes a<span class=\"_ _6\"></span>nd SI<span class=\"_ _6\"></span>P resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely. The Gro<span class=\"_ _6\"></span>up has c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>rol o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e EBT and SI<span class=\"_ _6\"></span>P T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>refore c<span class=\"_ _6\"></span>onso<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>e T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts in t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>. Sin<span class=\"_ _6\"></span>ce 2022, th<span class=\"_ _6\"></span>e T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tee of t<span class=\"_ _6\"></span>he EBT ha<span class=\"_ _6\"></span>s purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny\u2019s sh<span class=\"_ _6\"></span>ares i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e mar<span class=\"_ _6\"></span>ket in o<span class=\"_ _6\"></span>rde<span class=\"_ _6\"></span>r to sa<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>y th<span class=\"_ _6\"></span>e exercis<span class=\"_ _6\"></span>e of em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on sc<span class=\"_ _6\"></span>hem<span class=\"_ _6\"></span>es. S<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch are pu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>re reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d at cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d are t<span class=\"_ _6\"></span>reate<span class=\"_ _6\"></span>d as a de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion to s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>reho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ers\u2019 e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y. No gai<span class=\"_ _6\"></span>n or l<span class=\"_ _6\"></span>oss is reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>urcha<span class=\"_ _6\"></span>se or ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "fundingcircle:DescriptionOfAccountingPolicyForSharesHeldByEmployeeBenefitTrustAndShareIncentivePlanTrust",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-393": {
   "value": "Reser<span class=\"_ _6\"></span>ves<span class=\"_ _2f2\"> </span>Foreign ex<span class=\"_ _0\"></span>change reserve<span class=\"_ _2f2\"> </span>The fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n excha<span class=\"_ _6\"></span>nge re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve re<span class=\"_ _6\"></span>pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e cumu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>tive for<span class=\"_ _0\"></span>eign c<span class=\"_ _0\"></span>urrency<span class=\"_ _0\"></span> translation mo<span class=\"_ _0\"></span>vement<span class=\"_ _0\"></span> on the<span class=\"_ _0\"></span> assets and<span class=\"_ _0\"></span> liabilities of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s international<span class=\"_ _0\"></span> operations at y<span class=\"_ _0\"></span>ear<span class=\"_ _0\"></span>-end excha<span class=\"_ _6\"></span>nge r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s and o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>s from ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e excha<span class=\"_ _6\"></span>nge r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s to year-en<span class=\"_ _6\"></span>d excha<span class=\"_ _6\"></span>nge r<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Share prem<span class=\"_ _6\"></span>ium Proc<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>ds rec<span class=\"_ _6\"></span>eive<span class=\"_ _6\"></span>d in exces<span class=\"_ _6\"></span>s of t<span class=\"_ _6\"></span>he no<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>al va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f sha<span class=\"_ _6\"></span>res iss<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d, or o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e mar<span class=\"_ _6\"></span>ket val<span class=\"_ _6\"></span>ue of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s exercis<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n excess of t<span class=\"_ _6\"></span>he exerci<span class=\"_ _6\"></span>se pr<span class=\"_ _6\"></span>ice n<span class=\"_ _6\"></span>et of a<span class=\"_ _6\"></span>ny tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Share opti<span class=\"_ _0\"></span>ons r<span class=\"_ _0\"></span>eserve<span class=\"_ _2f2\"> </span>The s<span class=\"_ _6\"></span>hare o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he cum<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ve cha<span class=\"_ _6\"></span>rges to in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e und<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 2 Sh<span class=\"_ _6\"></span>are-<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>sed P<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>n al<span class=\"_ _6\"></span>l sha<span class=\"_ _6\"></span>re op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons an<span class=\"_ _6\"></span>d sch<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>es gr<span class=\"_ _6\"></span>ante<span class=\"_ _6\"></span>d, ne<span class=\"_ _6\"></span>t of sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on exerc<span class=\"_ _6\"></span>ises<span class=\"_ _6\"></span>. The c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s are t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer<span class=\"_ _6\"></span>red to re<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d ea<span class=\"_ _6\"></span>rni<span class=\"_ _6\"></span>ngs w<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>n opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns are exe<span class=\"_ _6\"></span>rcis<span class=\"_ _6\"></span>ed.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "fundingcircle:DescriptionOfAccountingPolicyForReserves",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-395": {
   "value": "Share buybacks Sh<span class=\"_ _6\"></span>ares pu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>s par<span class=\"_ _5\"></span>t of th<span class=\"_ _6\"></span>e sh<span class=\"_ _6\"></span>are bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>ck pro<span class=\"_ _6\"></span>gr<span class=\"_ _6\"></span>amm<span class=\"_ _6\"></span>e redu<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>he eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up, bu<span class=\"_ _6\"></span>t are a<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>-d<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ive an<span class=\"_ _6\"></span>d ret<span class=\"_ _6\"></span>urn v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e to sha<span class=\"_ _6\"></span>reh<span class=\"_ _6\"></span>old<span class=\"_ _6\"></span>ers w<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>n calculating earnings per sha<span class=\"_ _0\"></span>re.<span class=\"_ _0\"></span> The<span class=\"_ _0\"></span> nominal cost<span class=\"_ _0\"></span> of the shar<span class=\"_ _0\"></span>es<span class=\"_ _0\"></span> pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>ed an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed is t<span class=\"_ _6\"></span>rea<span class=\"_ _6\"></span>ted as a re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n sha<span class=\"_ _6\"></span>re ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l wi<span class=\"_ _6\"></span>th a<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g inc<span class=\"_ _6\"></span>reas<span class=\"_ _6\"></span>e in th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l red<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve. The c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al re<span class=\"_ _6\"></span>dem<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve is a n<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-d<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve whi<span class=\"_ _6\"></span>ch ca<span class=\"_ _6\"></span>n be us<span class=\"_ _6\"></span>ed to p<span class=\"_ _6\"></span>ay up ne<span class=\"_ _6\"></span>w sha<span class=\"_ _6\"></span>res al<span class=\"_ _6\"></span>lot<span class=\"_ _5\"></span>ted as fu<span class=\"_ _6\"></span>lly p<span class=\"_ _6\"></span>aid b<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>us sh<span class=\"_ _6\"></span>ares (i<span class=\"_ _6\"></span>n the ye<span class=\"_ _6\"></span>ar en<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 an<span class=\"_ _6\"></span>d 202<span class=\"_ _0\"></span>4 the re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve is i<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>ial fo<span class=\"_ _6\"></span>r dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sure i<span class=\"_ _6\"></span>n the SO<span class=\"_ _6\"></span>CIE). The co<span class=\"_ _6\"></span>st of t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hare p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>usive o<span class=\"_ _6\"></span>f st<span class=\"_ _6\"></span>amp du<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>d broke<span class=\"_ _6\"></span>r fees is d<span class=\"_ _6\"></span>eb<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>d to ret<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed e<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>gs. ",
   "dimensions": {
    "concept": "fundingcircle:DescriptionOfAccountingPolicyforShareBuybacks",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-394": {
   "value": "T<span class=\"_ _b\"></span>reasu<span class=\"_ _6\"></span>ry shares<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p may pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>res to ho<span class=\"_ _6\"></span>ld i<span class=\"_ _6\"></span>n tre<span class=\"_ _6\"></span>asur<span class=\"_ _6\"></span>y. T<span class=\"_ _b\"></span>reas<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as a d<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct re<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on i<span class=\"_ _6\"></span>n equ<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y at cos<span class=\"_ _6\"></span>t, an<span class=\"_ _6\"></span>d no ga<span class=\"_ _6\"></span>in or l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>rehe<span class=\"_ _6\"></span>nsive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me as a res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt s<span class=\"_ _6\"></span>ale o<span class=\"_ _6\"></span>r ca<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>lla<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-396": {
   "value": "2. C<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>tic<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g jud<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>nd key so<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span> of estimation<span class=\"_ _0\"></span> uncertaint<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span>The pr<span class=\"_ _0\"></span>eparation of the<span class=\"_ _0\"></span> consolidated financial<span class=\"_ _0\"></span> statements req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>s the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p to make es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d jud<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat af<span class=\"_ _6\"></span>fect the<span class=\"_ _0\"></span> application of policies<span class=\"_ _0\"></span> and r<span class=\"_ _0\"></span>epor<span class=\"_ _6\"></span>ted amounts.<span class=\"_ _0\"></span> Cr<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al ju<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>t key dec<span class=\"_ _6\"></span>isio<span class=\"_ _6\"></span>ns ma<span class=\"_ _6\"></span>de by management in the<span class=\"_ _0\"></span> application of the Gr<span class=\"_ _0\"></span>oup acc<span class=\"_ _0\"></span>ounting policies. Wher<span class=\"_ _0\"></span>e a<span class=\"_ _0\"></span> signific<span class=\"_ _6\"></span>ant risk<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span> materially dif<span class=\"_ _6\"></span>f<span class=\"_ _0\"></span>erent ou<span class=\"_ _6\"></span>tco<span class=\"_ _6\"></span>mes ex<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>s du<span class=\"_ _6\"></span>e to man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s or so<span class=\"_ _6\"></span>urces of es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n un<span class=\"_ _6\"></span>cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, thi<span class=\"_ _6\"></span>s wil<span class=\"_ _6\"></span>l repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>t a key sourc<span class=\"_ _6\"></span>e of estimation uncert<span class=\"_ _6\"></span>ainty<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> Est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd ju<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s are co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y evalu<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d are bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n exp<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ce an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tors, i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns of fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure even<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re bel<span class=\"_ _6\"></span>ieved t<span class=\"_ _6\"></span>o be rea<span class=\"_ _6\"></span>son<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e un<span class=\"_ _6\"></span>der th<span class=\"_ _6\"></span>e circu<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>. Al<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>gh th<span class=\"_ _6\"></span>ese e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates are b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on ma<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>\u2019s be<span class=\"_ _6\"></span>st k<span class=\"_ _6\"></span>now<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>, even<span class=\"_ _6\"></span>t or ac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s, ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts ul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tely m<span class=\"_ _6\"></span>ay di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fer f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e es<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The sign<span class=\"_ _0\"></span>ific<span class=\"_ _6\"></span>ant j<span class=\"_ _0\"></span>udgements and <span class=\"_ _0\"></span>estimates applied <span class=\"_ _0\"></span>by<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup in t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s have be<span class=\"_ _6\"></span>en a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>d on a c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>iste<span class=\"_ _6\"></span>nt bas<span class=\"_ _6\"></span>is wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e com<span class=\"_ _6\"></span>par<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive year to 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2024, except fo<span class=\"_ _6\"></span>r the <span class=\"_ _6\"></span>ECL wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l me<span class=\"_ _6\"></span>tho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy ha<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>en ref<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed (se<span class=\"_ _6\"></span>e note <span class=\"_ _6\"></span>16).<span class=\"_ _2f2\"> </span>Critical judgements<span class=\"_ _2f2\"> </span>Loans<span class=\"_ _0\"></span> originated through<span class=\"_ _0\"></span> the platform<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ori<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>s SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h it<span class=\"_ _6\"></span>s pl<span class=\"_ _6\"></span>at<span class=\"_ _5\"></span>form wh<span class=\"_ _6\"></span>ich have be<span class=\"_ _6\"></span>en f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>ed p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>mar<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>y by ban<span class=\"_ _6\"></span>ks, as<span class=\"_ _6\"></span>set m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>rs, ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs, f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s, na<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es, ret<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>l inves<span class=\"_ _6\"></span>tors or us<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e of its ow<span class=\"_ _6\"></span>n cap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al. J<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>ent is re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>red to de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>e whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>ans sh<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>ld be re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>eet<span class=\"_ _6\"></span>. Wh<span class=\"_ _6\"></span>ere th<span class=\"_ _6\"></span>e Group, i<span class=\"_ _6\"></span>ts su<span class=\"_ _6\"></span>bsid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s or SPVs whi<span class=\"_ _6\"></span>ch it c<span class=\"_ _6\"></span>onso<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>es have le<span class=\"_ _6\"></span>gal an<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>al own<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip to t<span class=\"_ _6\"></span>he ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le of t<span class=\"_ _6\"></span>hose S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s, th<span class=\"_ _6\"></span>ey are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019s ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t. W<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>his i<span class=\"_ _6\"></span>s not t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ase, t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns are n<span class=\"_ _6\"></span>ot recognised<span class=\"_ _0\"></span> at the point<span class=\"_ _0\"></span> of origination.<span class=\"_ _2f2\"> </span><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs4c1\">K<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> sourc<span class=\"_ _0\"></span>es o<span class=\"_ _0\"></span>f estimation<span class=\"_ _0\"></span> uncertainty<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4c2\">The fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g are th<span class=\"_ _6\"></span>e key sou<span class=\"_ _6\"></span>rces of es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on un<span class=\"_ _6\"></span>cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>he D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs have id<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e proc<span class=\"_ _6\"></span>ess of a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lyi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4c3\">Gro<span class=\"_ _6\"></span>up\u2019s ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>cie<span class=\"_ _6\"></span>s and h<span class=\"_ _6\"></span>ave the m<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt ef<span class=\"_ _5\"></span>fect o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>tat<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>. </div><div class=\"t m0 hd ff5b fs3 fc1 sc0 ls76 ws7a gs4c4\">E<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>p<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>cr<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>i<span class=\"_ _6\"></span>m<span class=\"_ _6\"></span>p<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>m<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span>t of<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>Fl<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>P<span class=\"_ _6\"></span>ay<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>l<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>o<span class=\"_ _6\"></span>f <span class=\"_ _0\"></span>c<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span> <span class=\"_ _b\"></span>(<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>1<span class=\"_ _6\"></span>5<span class=\"_ _6\"></span>, <span class=\"_ _0\"></span>1<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>an<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>27<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4c5\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up he<span class=\"_ _6\"></span>ld \u00a320<span class=\"_ _6\"></span>5.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n of dr<span class=\"_ _6\"></span>awn Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d \u00a344<span class=\"_ _6\"></span>6.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on of u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn l<span class=\"_ _6\"></span>ines </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4c6\">of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t, g<span class=\"_ _6\"></span>ross of ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es (202<span class=\"_ _0\"></span>4: \u00a311<span class=\"_ _6\"></span>0.0 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on dr<span class=\"_ _6\"></span>awn an<span class=\"_ _6\"></span>d \u00a3278.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on un<span class=\"_ _6\"></span>dr<span class=\"_ _6\"></span>awn)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4c7\">Wh<span class=\"_ _6\"></span>ile o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up are h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t are t<span class=\"_ _6\"></span>he m<span class=\"_ _6\"></span>ost s<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ive to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4c8\">es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n unc<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y du<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e hig<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>nd mo<span class=\"_ _6\"></span>re lim<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ed hi<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>al d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4c9\">An ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt al<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e is hel<span class=\"_ _6\"></span>d ag<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>st t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>f \u00a334.7 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (<span class=\"_ _6\"></span>\u00a332.2 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted to d<span class=\"_ _6\"></span>rawn </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4ca\">li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d \u00a32.5 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted to u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn) (202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>5.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on sp<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t, \u00a3<span class=\"_ _6\"></span>12.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on dr<span class=\"_ _6\"></span>awn an<span class=\"_ _6\"></span>d \u00a32.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on un<span class=\"_ _6\"></span>dr<span class=\"_ _6\"></span>awn)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4cb\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce fol<span class=\"_ _6\"></span>lowi<span class=\"_ _6\"></span>ng I<span class=\"_ _6\"></span>FRS 9 th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re at de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4cc\">obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved t<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>ds rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e overa<span class=\"_ _6\"></span>ll li<span class=\"_ _6\"></span>ne of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion d<span class=\"_ _6\"></span>rawn a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ti<span class=\"_ _6\"></span>me of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t. Th<span class=\"_ _6\"></span>e prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4cd\">def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t is e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved t<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>ds an<span class=\"_ _6\"></span>d com<span class=\"_ _6\"></span>bin<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>se wi<span class=\"_ _6\"></span>th fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>war<span class=\"_ _6\"></span>d-l<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>g info<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferent </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4ce\">ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>c sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>ios w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y we<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hted<span class=\"_ _6\"></span>. The l<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>iven d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t is dr<span class=\"_ _6\"></span>iven by as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns reg<span class=\"_ _6\"></span>ardi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he leve<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs4cf\">of rec<span class=\"_ _6\"></span>overi<span class=\"_ _6\"></span>es co<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d af<span class=\"_ _5\"></span>ter def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s occu<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4d0\">The a<span class=\"_ _6\"></span>rea mo<span class=\"_ _6\"></span>st s<span class=\"_ _6\"></span>ensi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive to es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n unc<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y is t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt (\u201c<span class=\"_ _6\"></span>PD\u201d<span class=\"_ _6\"></span>) rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 and 2 l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4d1\">is mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>d ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d tren<span class=\"_ _6\"></span>ds a<span class=\"_ _6\"></span>nd ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>ted u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-we<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hted fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward<span class=\"_ _6\"></span>-l<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>g sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>ios<span class=\"_ _6\"></span>. Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>tly a b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ne </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4d2\">sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io, up<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio a<span class=\"_ _6\"></span>nd d<span class=\"_ _6\"></span>ownsi<span class=\"_ _6\"></span>de s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>o are u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed wh<span class=\"_ _6\"></span>ich a<span class=\"_ _6\"></span>re prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wei<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>ed as o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ned b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow<span class=\"_ _0\"></span>, whi<span class=\"_ _6\"></span>ch p<span class=\"_ _6\"></span>rovide </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4d3\">a bl<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>ed s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>age 1 a<span class=\"_ _6\"></span>nd 2 aver<span class=\"_ _6\"></span>age p<span class=\"_ _6\"></span>rob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt o<span class=\"_ _6\"></span>f 9.0%. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4d4\">If 1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0% prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wei<span class=\"_ _6\"></span>gh<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g was to b<span class=\"_ _6\"></span>e ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ed to e<span class=\"_ _6\"></span>ach s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>o, th<span class=\"_ _6\"></span>e weig<span class=\"_ _6\"></span>hte<span class=\"_ _6\"></span>d PD rel<span class=\"_ _6\"></span>ated t<span class=\"_ _6\"></span>o st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 and 2 l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t and t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4d5\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>ss im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>irm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t provis<span class=\"_ _6\"></span>ion w<span class=\"_ _6\"></span>oul<span class=\"_ _6\"></span>d cha<span class=\"_ _6\"></span>nge a<span class=\"_ _6\"></span>s foll<span class=\"_ _6\"></span>ows: </div><div class=\"gs4d6\"><table class=\"s w17a ha3\" id=\"_41348b4d-0027-4493-b130-bf7e541aee82\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x372 h28 y2879 ff56 fs19 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge in </td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x373 h28 y287a ff55 fs19 fc2 sc0 ls12 ws16\">aver<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e PD </td><td class=\"t m0 x374 h28 y287a ff56 fs19 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge in </td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x372 h28 y287b ff56 fs19 fc2 sc0 lscb wsef\">compared </td><td class=\"t m0 x375 h28 y287b ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red </td></tr><tr><td></td><td class=\"t m0 x376 h28 y287c ff56 fs19 fc2 sc0 lsc9 wsed\">Scenario </td><td></td><td></td><td></td><td class=\"t m0 x2a5 h28 y287c ff55 fs19 fc2 sc0 ls12 ws16\">to b<span class=\"_ _6\"></span>len<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d </td><td class=\"t m0 x377 h28 y287c ff55 fs19 fc2 sc0 ls12 ws16\">to b<span class=\"_ _6\"></span>len<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d </td></tr><tr><td></td><td class=\"t m0 x378 h28 y287d ff55 fs19 fc2 sc0 lsc9 wsed\">weighting <span class=\"ff56 ls12 ws16\"> </span></td><td class=\"t m0 x379 h28 y287d ff55 fs19 fc2 sc0 lsc9 wsed\">100% weighting<span class=\"_ _0\"></span> </td><td class=\"t m0 x37a h28 y287d ff55 fs19 fc2 sc0 ls12 ws16\">Aver<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e PD <span class=\"ff56\"> </span></td><td class=\"t m0 x37b h28 y287d ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L <span class=\"ff56\"> </span></td><td class=\"t m0 x37c h28 y287d ff56 fs19 fc2 sc0 lsc9 wsed\">scenario <span class=\"ls12 ws16\"> </span></td><td class=\"t m0 x37d h28 y287d ff56 fs19 fc2 sc0 lsc9 wsed\">scenario <span class=\"ls12 ws16\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y287e ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>o<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37e h28 y287e ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a7 h28 y287e ff56 fs19 fc2 sc0 lsc9 wsed\">to s<span class=\"_ _0\"></span>cenario<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37f h28 y287e ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ab h28 y287e ff56 fs19 fc2 sc0 ls12 ws16\">\u00a3<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x380 h28 y287e ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x381 h28 y287e ff56 fs19 fc2 sc0 ls12 ws16\">\u00a3<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y285e w17b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>se<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x382 y285e w17c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2a ws39\">70%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x383 y285e w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x384 y285e w17e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">8.8%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x385 y285e w17f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">3<span class=\"_ _6\"></span>4.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x386 y285e w180 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls40 ws4a\">(<span class=\"_ _6\"></span>0.<span class=\"_ _6\"></span>2)%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x387 y285e w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w181 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd4 wsf8\">Upside<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x388 y287f w182 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">1<span class=\"_ _6\"></span>5%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x389 y287f w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>00%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x38a y287f w184 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2f ws37\">6.0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x38b y287f w185 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">29.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x38c y287f w186 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls40 ws4a\">(<span class=\"_ _6\"></span>3.<span class=\"_ _6\"></span>0)%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x38d y287f w187 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w188 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">Downside<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x38e y280d w189 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">1<span class=\"_ _6\"></span>5%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x38f y280d w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>00%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x390 y280d w18a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">12.4%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x391 y280d w18b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">4<span class=\"_ _6\"></span>0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x392 y280d w18c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls60 ws117\">3<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>4%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x393 y280d w18d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">6.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w18e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Blended weighted<span class=\"_ _0\"></span> scenarios<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x394 y280f w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x395 y280f w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x396 y280f w148 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">9.0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x397 y280f w18f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">34.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x398 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x399 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4d7\">The a<span class=\"_ _6\"></span>bove ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of bo<span class=\"_ _6\"></span>th d<span class=\"_ _6\"></span>rawn a<span class=\"_ _6\"></span>nd u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn el<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of t<span class=\"_ _6\"></span>he ECL i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t al<span class=\"_ _6\"></span>lowa<span class=\"_ _6\"></span>nce. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4d8\">The l<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>iven d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t (\u201cLGD<span class=\"_ _6\"></span>\u201d) of t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt al<span class=\"_ _6\"></span>lowa<span class=\"_ _6\"></span>nce i<span class=\"_ _6\"></span>s est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4d9\">bl<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>ed p<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>foli<span class=\"_ _6\"></span>o recove<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s to da<span class=\"_ _6\"></span>te on de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lte<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d ou<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>to th<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re usi<span class=\"_ _6\"></span>ng an aver<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 83.6% LGD. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4da\">Wh<span class=\"_ _6\"></span>ile t<span class=\"_ _6\"></span>he LGD ex<span class=\"_ _6\"></span>pec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>s bas<span class=\"_ _6\"></span>ed on t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f recove<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s to dat<span class=\"_ _6\"></span>e, the l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>me LGD may di<span class=\"_ _6\"></span>f<span class=\"_ _5\"></span>fer from t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4db\">amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t. A 5<span class=\"_ _6\"></span>00 b<span class=\"_ _6\"></span>ps in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e/dec<span class=\"_ _6\"></span>reas<span class=\"_ _6\"></span>e in th<span class=\"_ _6\"></span>e es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime LGD wo<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>d inc<span class=\"_ _6\"></span>rease/d<span class=\"_ _6\"></span>ecre<span class=\"_ _6\"></span>ase t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4dc\">imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e by \u00a30.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on/\u00a3(0.9) m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>. It i<span class=\"_ _6\"></span>s cons<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ered t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e above se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>he ra<span class=\"_ _6\"></span>nge o<span class=\"_ _6\"></span>f </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4dd\">reas<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>bly p<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>sib<span class=\"_ _6\"></span>le ou<span class=\"_ _6\"></span>tco<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>s in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to t<span class=\"_ _6\"></span>he LGD o<span class=\"_ _6\"></span>n Flexi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff5b fs3 fc1 sc0 ls76 ws7a gs4df\">S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>lo<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span>s<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>h<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>d at<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>fa<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>va<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>t<span class=\"_ _6\"></span>h<span class=\"_ _6\"></span>ro<span class=\"_ _6\"></span>u<span class=\"_ _5\"></span>gh<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>p<span class=\"_ _6\"></span>ro<span class=\"_ _6\"></span>f<span class=\"_ _5\"></span>it<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>a<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>l<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>s<span class=\"_ _6\"></span>s (n<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>1<span class=\"_ _6\"></span>6)<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4e0\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, t<span class=\"_ _6\"></span>he ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up\u2019s f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ets h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue w<span class=\"_ _6\"></span>as \u00a3217<span class=\"_ _b\"></span>.8 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4e1\">(202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>55.9 m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4e2\">In a<span class=\"_ _6\"></span>ccord<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>th I<span class=\"_ _6\"></span>FRS 13 Fai<span class=\"_ _6\"></span>r Value M<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>urem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up c<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>gor<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ied o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls77 ws7c gs4e3\">ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce she<span class=\"_ _6\"></span>et at fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue us<span class=\"_ _6\"></span>ing a th<span class=\"_ _6\"></span>ree<span class=\"_ _6\"></span>-leve<span class=\"_ _6\"></span>l hier<span class=\"_ _6\"></span>archy<span class=\"_ _0\"></span>. Fina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts ca<span class=\"_ _6\"></span>teg<span class=\"_ _6\"></span>ori<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d as level 1 are valu<span class=\"_ _6\"></span>ed usi<span class=\"_ _6\"></span>ng qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d mar<span class=\"_ _6\"></span>ket </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4e4\">pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s and t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>refore t<span class=\"_ _6\"></span>here is m<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>l est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>d in d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e. Howeve<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, the f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4e5\">ca<span class=\"_ _6\"></span>teg<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as level 2 a<span class=\"_ _6\"></span>nd, i<span class=\"_ _6\"></span>n pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>icul<span class=\"_ _6\"></span>ar, level 3 is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g val<span class=\"_ _6\"></span>uat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n es<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion t<span class=\"_ _6\"></span>ech<span class=\"_ _6\"></span>niq<span class=\"_ _6\"></span>ues i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>ash </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4e6\">fl<span class=\"_ _6\"></span>ow an<span class=\"_ _6\"></span>alys<span class=\"_ _6\"></span>is and v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>els<span class=\"_ _6\"></span>. The m<span class=\"_ _6\"></span>ost s<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>can<span class=\"_ _6\"></span>t es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n is wi<span class=\"_ _6\"></span>th re<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t to dis<span class=\"_ _6\"></span>coun<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4e7\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s are th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s mos<span class=\"_ _6\"></span>t sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>tive to e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on u<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, and wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>his, t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4e8\">sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t is th<span class=\"_ _6\"></span>e area w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h is ma<span class=\"_ _6\"></span>teri<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion u<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. A sens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to o<span class=\"_ _6\"></span>nly t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter-term </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4e9\">lo<span class=\"_ _6\"></span>an pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s is sho<span class=\"_ _6\"></span>wn gi<span class=\"_ _6\"></span>ven ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss a<span class=\"_ _6\"></span>re not c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red m<span class=\"_ _6\"></span>ater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4ea\">sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion u<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, nor are a<span class=\"_ _6\"></span>ny ot<span class=\"_ _6\"></span>her f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"gs4eb\"><table class=\"s w190 ha4\" id=\"_fa46e996-9e54-4ba4-b6d0-a57ea42d1d04\"><tr><td></td><td class=\"t m0 x39a h28 y2880 ff56 fs19 fc2 sc0 ls12 ws16\">Fair v<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ue </td><td></td><td></td><td class=\"t m0 x39b h28 y2880 ff55 fs19 fc2 sc0 lsc9 wsed\">Relationship of<span class=\"_ _0\"></span> <span class=\"ff56 ls12 ws16\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2881 ff56 fs19 fc2 sc0 lsc9 wsed\">Description<span class=\"_ _2f2\"> </span></td><td class=\"c n x39c y2882 w191 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x39d y2882 w192 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsca wsee\">Unobservable input<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x39e y2882 w193 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsca wsee\">Inputs<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x39b h28 y2881 ff55 fs19 fc2 sc0 ls12 ws16\">un<span class=\"_ _6\"></span>ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s to fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2883 w194 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Shor<span class=\"_ _6\"></span>ter<span class=\"_ _b\"></span>-term loans<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x39f y2883 w195 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">120.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3a0 y2883 w196 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Life<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e cum<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3a1 y2883 w197 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">16<span class=\"_ _6\"></span>.6%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3a2 y2883 w4e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">A change in<span class=\"_ _0\"></span> the lifetime c<span class=\"_ _0\"></span>umulative<span class=\"_ _0\"></span> default<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x3a3 h5 y2884 ff55 fs3 fc2 sc0 ls12 ws16\">ra<span class=\"_ _6\"></span>te as % of or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>l </td><td></td><td class=\"t m0 x39b h5 y2884 ff55 fs3 fc2 sc0 ls12 ws16\">ra<span class=\"_ _6\"></span>te by +590/-470 bps wou<span class=\"_ _6\"></span>ld d<span class=\"_ _6\"></span>ecre<span class=\"_ _6\"></span>ase/<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x39b h5 y2885 ff55 fs3 fc2 sc0 ls12 ws16\">in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e by \u00a3(11.2) mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on/<span class=\"ff56\"> </span></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x39b h5 y2886 ff55 fs3 fc2 sc0 ls12 ws16\">\u00a38.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ively.<span class=\"_ _2f2\"> </span></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4ec\">The a<span class=\"_ _6\"></span>bove se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>\u2019s es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>te of t<span class=\"_ _6\"></span>he reas<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>y pos<span class=\"_ _6\"></span>sib<span class=\"_ _6\"></span>le r<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e of ou<span class=\"_ _6\"></span>tco<span class=\"_ _6\"></span>mes a<span class=\"_ _6\"></span>nd as a res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4ed\">val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s co<span class=\"_ _6\"></span>uld m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>lly d<span class=\"_ _6\"></span>iverg<span class=\"_ _6\"></span>e fro<span class=\"_ _6\"></span>m man<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>\u2019s es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate.<span class=\"_ _2f2\"> </span></div><div class=\"gs4ee\"><table class=\"s w198 ha5\" id=\"_c98594c8-d5ad-4857-bdbd-d2dff78032be\"><tr><td></td><td class=\"t m0 x39a h28 y2887 ff56 fs19 fc2 sc0 ls12 ws16\">Fair v<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ue </td><td></td><td></td><td class=\"t m0 x39b h28 y2887 ff55 fs19 fc2 sc0 lsc9 wsed\">Relationship of<span class=\"_ _0\"></span> <span class=\"ff56 ls12 ws16\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2888 ff56 fs19 fc2 sc0 lsc9 wsed\">Description<span class=\"_ _2f2\"> </span></td><td class=\"c n x39c y2889 w191 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x39d y2889 w192 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsca wsee\">Unobservable input<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x39e y2889 w193 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsca wsee\">Inputs<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x39b h28 y2888 ff55 fs19 fc2 sc0 ls12 ws16\">un<span class=\"_ _6\"></span>ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s to fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y288a w194 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Shor<span class=\"_ _6\"></span>ter<span class=\"_ _b\"></span>-term loans<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x39f y288a w195 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">120.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3a0 y288a w199 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Risk<span class=\"_ _0\"></span>-adju<span class=\"_ _0\"></span>sted discount<span class=\"_ _0\"></span> rate<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3a4 y288a w19a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls60 ws117\">2<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>4%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3a5 y288a w19b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">A cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e in th<span class=\"_ _6\"></span>e dis<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt ra<span class=\"_ _6\"></span>tes by +/-<span class=\"_ _b\"></span>20<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x39b h5 y288b ff55 fs3 fc2 sc0 ls12 ws16\">bps wo<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e/i<span class=\"_ _6\"></span>ncre<span class=\"_ _6\"></span>ase f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e by </td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x39b h5 y288c ff55 fs3 fc2 sc0 ls3d ws47\">\u00a3(<span class=\"_ _0\"></span>1.2<span class=\"_ _0\"></span>) million/<span class=\"_ _0\"></span>\u00a31.2 m<span class=\"_ _0\"></span>illion re<span class=\"_ _0\"></span>spectively<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4ef\">It i<span class=\"_ _6\"></span>s con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d tha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ran<span class=\"_ _6\"></span>ge of re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>ly p<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e ou<span class=\"_ _6\"></span>tco<span class=\"_ _6\"></span>mes in re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ate us<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>d be +/-<span class=\"_ _b\"></span>20<span class=\"_ _6\"></span>0 bps a<span class=\"_ _6\"></span>nd </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4f0\">as a resu<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t the f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s cou<span class=\"_ _6\"></span>ld di<span class=\"_ _6\"></span>verge f<span class=\"_ _6\"></span>rom m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t\u2019<span class=\"_ _6\"></span>s est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4f1\">The s<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>n expe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e cumu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>tive d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of th<span class=\"_ _6\"></span>e cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k ele<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk-ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>ted d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t rat<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4f2\">are mo<span class=\"_ _6\"></span>st m<span class=\"_ _6\"></span>ean<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>fu<span class=\"_ _6\"></span>l wh<span class=\"_ _6\"></span>en vi<span class=\"_ _6\"></span>ewed i<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly of e<span class=\"_ _6\"></span>ach o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4f3\">As d<span class=\"_ _6\"></span>iscl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d in n<span class=\"_ _6\"></span>ote 28, su<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ent to t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar en<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d 31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2025, the a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts we<span class=\"_ _6\"></span>re sol<span class=\"_ _6\"></span>d in J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2026 for a pr<span class=\"_ _6\"></span>ice </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4f4\">ma<span class=\"_ _6\"></span>teri<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly in l<span class=\"_ _6\"></span>ine w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue at t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et d<span class=\"_ _6\"></span>ate, an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>tly a fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward f<span class=\"_ _6\"></span>low a<span class=\"_ _6\"></span>gre<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt wa<span class=\"_ _6\"></span>s sig<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d rela<span class=\"_ _6\"></span>ted to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls3d ws47 gs4f5\">ongoing shor<span class=\"_ _6\"></span>ter<span class=\"_ _b\"></span>-term loan originations.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls64 ws94 gs4f6\">Es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n an<span class=\"_ _6\"></span>d ju<span class=\"_ _6\"></span>dge<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed to d<span class=\"_ _6\"></span>efe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et (no<span class=\"_ _6\"></span>te 8)<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4f7\">Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed a to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et of \u00a326.1 mill<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted to t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss for t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>irs<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>ime. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4f8\">Thi<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pri<span class=\"_ _6\"></span>sed \u00a3<span class=\"_ _6\"></span>23.6 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ied fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es for w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h the re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd va<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>ed si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ant </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4f9\">ju<span class=\"_ _6\"></span>dge<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>nd es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tes, an<span class=\"_ _6\"></span>d a fu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>her \u00a32.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>. In ord<span class=\"_ _6\"></span>er to s<span class=\"_ _6\"></span>upp<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t the re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4fa\">defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>, mod<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g was u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>aken to as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e level o<span class=\"_ _6\"></span>f forec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts wh<span class=\"_ _6\"></span>ich we<span class=\"_ _6\"></span>re pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted. T<span class=\"_ _6\"></span>his is a </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4fb\">si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>nt es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>te, whi<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he fore<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d use<span class=\"_ _6\"></span>d for d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the p<span class=\"_ _6\"></span>rob<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts is a s<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>can<span class=\"_ _6\"></span>t ju<span class=\"_ _6\"></span>dge<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4fc\">The B<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>rd-a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>roved fi<span class=\"_ _6\"></span>ve-yea<span class=\"_ _6\"></span>r me<span class=\"_ _6\"></span>diu<span class=\"_ _6\"></span>m-te<span class=\"_ _6\"></span>rm p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>n (\u201cM<span class=\"_ _6\"></span>TP\u201d<span class=\"_ _6\"></span>), whi<span class=\"_ _6\"></span>ch is al<span class=\"_ _6\"></span>so us<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ssm<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f Grou<span class=\"_ _6\"></span>p via<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, forms t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4fd\">bas<span class=\"_ _6\"></span>is of t<span class=\"_ _6\"></span>he fore<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>st t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts, a<span class=\"_ _6\"></span>nd ha<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>en ex<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>d for o<span class=\"_ _6\"></span>ne yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, usin<span class=\"_ _6\"></span>g a 2% lon<span class=\"_ _6\"></span>g-t<span class=\"_ _6\"></span>erm g<span class=\"_ _6\"></span>row<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h rate as<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. The </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4fe\">MTP fore<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s ant<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ipa<span class=\"_ _6\"></span>te con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>d grow<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h in reve<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>s and p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s. Ju<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt is u<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g ele<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f the fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs4ff\">th<span class=\"_ _6\"></span>at co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ain e<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts of u<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Proba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y w<span class=\"_ _6\"></span>eig<span class=\"_ _6\"></span>ht<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s are ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n ord<span class=\"_ _6\"></span>er to ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>egre<span class=\"_ _6\"></span>e of un<span class=\"_ _6\"></span>cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, whi<span class=\"_ _6\"></span>ch </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs500\">in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>es as fore<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>d fur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r in<span class=\"_ _6\"></span>to th<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re. The<span class=\"_ _6\"></span>re is es<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion u<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e man<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s and </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs501\">th<span class=\"_ _6\"></span>e prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>em an<span class=\"_ _6\"></span>d jud<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n the s<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he si<span class=\"_ _6\"></span>x yea<span class=\"_ _6\"></span>r forec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d. As a re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>, the DT<span class=\"_ _b\"></span>A i<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs502\">sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to forec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ions<span class=\"_ _6\"></span>, and t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>set m<span class=\"_ _6\"></span>ay var<span class=\"_ _6\"></span>y f<span class=\"_ _6\"></span>rom th<span class=\"_ _6\"></span>e ti<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g and q<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>ntu<span class=\"_ _6\"></span>m </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs503\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted<span class=\"_ _6\"></span>. The ju<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s and e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates wi<span class=\"_ _6\"></span>ll b<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ed on a<span class=\"_ _6\"></span>n on<span class=\"_ _6\"></span>goi<span class=\"_ _6\"></span>ng b<span class=\"_ _6\"></span>asis<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs504\">The \u00a326.1 mill<span class=\"_ _6\"></span>ion t<span class=\"_ _6\"></span>ot<span class=\"_ _6\"></span>al defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nts a re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of c.73% of t<span class=\"_ _6\"></span>he bro<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd los<span class=\"_ _6\"></span>s pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, and a re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs505\">of 1<span class=\"_ _6\"></span>00% of t<span class=\"_ _6\"></span>he R<span class=\"_ _6\"></span>DEC S<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>p 2 cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs506\">If t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le fore<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ced by 25% th<span class=\"_ _6\"></span>is wou<span class=\"_ _6\"></span>ld res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t in a \u00a36<span class=\"_ _6\"></span>.0 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n redu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e tot<span class=\"_ _6\"></span>al d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>set t<span class=\"_ _6\"></span>o </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs507\">\u00a320.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, or a u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of c.5<span class=\"_ _6\"></span>5% of the c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ed for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard l<span class=\"_ _6\"></span>oss p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h no i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs508\">rem<span class=\"_ _6\"></span>ain \u00a32.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs509\">If t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d of fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng we<span class=\"_ _6\"></span>re redu<span class=\"_ _6\"></span>ced by 1 ye<span class=\"_ _6\"></span>ar<span class=\"_ _0\"></span>, th<span class=\"_ _6\"></span>e D<span class=\"_ _0\"></span>T<span class=\"_ _b\"></span>A w<span class=\"_ _6\"></span>oul<span class=\"_ _6\"></span>d red<span class=\"_ _6\"></span>uce by \u00a3<span class=\"_ _6\"></span>1.5 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs50a\">If t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ts we<span class=\"_ _6\"></span>re ful<span class=\"_ _6\"></span>ly a<span class=\"_ _6\"></span>chieve<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>en a de<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>set o<span class=\"_ _6\"></span>f \u00a334.7 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (<span class=\"_ _6\"></span>\u00a332.2 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs50b\">ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>ied fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ses an<span class=\"_ _6\"></span>d \u00a32.5 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted to R<span class=\"_ _6\"></span>DEC S<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>p 2 cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s) woul<span class=\"_ _6\"></span>d have be<span class=\"_ _6\"></span>en re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in f<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>l by 2030.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-432": {
   "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 (notes 15, 16 and 27) At 31 December 2025, the Group held \u00a3205.1 million of drawn FlexiPay lines of credit and \u00a3446.7 million of undrawn lines of credit, gross of expected credit loss impairment allowances (2024: \u00a3110.0 million drawn and \u00a3278.7 million undrawn). 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 \u00a334.7 million (\u00a332.2 million related to drawn lines of credit and \u00a32.5 million related to undrawn) (2024: \u00a315.6 million split, \u00a312.9 million drawn and \u00a32.7 million 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 and 2 lines of credit which is modelled based on observed trends and adjusted using probability-weighted forward-looking scenarios. Currently a baseline scenario, upside scenario and downside scenario are utilised which are probability weighted as outlined below, which provide a blended stage 1 and 2 average probability of default of 9.0%. If 100% probability weighting was to be applied to each scenario, the weighted PD related to stage 1 and 2 lines of credit and the expected credit loss impairment provision would change as follows: Change in average PD Change in compared ECL compared Scenario to blended to blended weighting  100% weighting Average PD  ECL  scenario  scenario  ECL scenario % to scenario % \u00a3 % \u00a3 Base case 70% 100% 8.8% 34.5 (0.2)% (0.2) Upside 15% 100% 6.0% 29.6 (3.0)% (5.1) Downside 15% 100% 12.4% 40.9 3.4% 6.2 Blended weighted scenarios 100% 100% 9.0% 34.7 \u2014 \u2014 The above reflects the impact of both drawn and undrawn elements of the ECL impairment allowance. 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 an average 83.6% 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/\u00a3(0.9) 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. SME loans held at fair value through profit and loss (note 16) At 31 December 2025, the carrying value of the Group\u2019s financial instrument assets held at fair value was \u00a3217.8 million (2024: \u00a3155.9 million). In accordance with IFRS 13 Fair Value Measurement, the Group categorises financial instruments carried on the consolidated balance sheet at fair value using a three-level hierarchy. Financial instruments categorised as level 1 are valued using quoted market prices and therefore there is minimal estimation applied in determining fair value. However, the fair value of financial instruments categorised as level 2 and, in particular, level 3 is determined using valuation estimation techniques including discounted cash flow analysis and valuation models. The most significant estimation is with respect to discount rates and default rates. SME loans held at fair value through profit and loss are the assets most sensitive to estimation uncertainty, and within this, the shorter-term loan product is the area which is materially sensitive to estimation uncertainty. A sensitivity to only the shorter-term loan product inputs is shown given other SME loans held at fair value through profit and loss are not considered materially sensitive to estimation uncertainty, nor are any other financial assets held at fair value through profit and loss. Fair value Relationship of  Description \u00a3m Unobservable input Inputs unobservable inputs to fair value Shorter-term loans 120.4 Lifetime cumulative default 16.6% A change in the lifetime cumulative default rate as % of original rate by +590/-470 bps would decrease/ increase fair value by \u00a3(11.2) million/ \u00a38.5 million respectively. The above sensitivities represent management\u2019s estimate of the reasonably possible range of outcomes and as a result the fair value of the assets could materially diverge from management\u2019s estimate. Fair value Relationship of  Description \u00a3m Unobservable input Inputs unobservable inputs to fair value Shorter-term loans 120.4 Risk-adjusted discount rate 22.4% A change in the discount rates by +/-200 bps would decrease/increase fair value by \u00a3(1.2) million/\u00a31.2 million respectively. It is considered that the range of reasonably possible outcomes in relation to the discount rate used could be +/-200 bps and as a result the fair value of the assets could diverge from management\u2019s estimate. The sensitivity in expected lifetime cumulative defaults and sensitivity of the credit risk element of the risk-adjusted discount rate are most meaningful when viewed independently of each other. As disclosed in note 28, subsequent to the year ended 31 December 2025, the assets were sold in January 2026 for a price materially in line with the fair value at the balance sheet date, and concurrently a forward flow agreement was signed related to ongoing shorter-term loan originations. Estimation and judgements related to deferred tax asset (note 8) During the year the Group recognised a total deferred tax asset of \u00a326.1 million related to the UK business for the first time. This comprised \u00a323.6 million in relation to carried forward losses for which the recognition and valuation incorporated significant judgements and estimates, and a further \u00a32.5 million in relation to RDEC Step 2 credits. In order to support the recognition of the deferred tax asset, modelling was undertaken to assess the level of forecast profits which were probability weighted. This is a significant estimate, while the forecasting period used for determining the probable profits is a significant judgement. The Board-approved five-year medium-term plan (\u201cMTP\u201d), which is also used in the assessment of Group viability, forms the basis of the forecast taxable profits, and has been extended for one year, using a 2% long-term growth rate assumption. The MTP forecasts anticipate continued growth in revenues and profits. Judgement is used in assessing elements of the forecasts that contain elements of uncertainty. Probability weightings are applied in order to reflect the degree of uncertainty, which increases as forecasts extend further into the future. There is estimation uncertainty related to the management forecasts and the probabilities applied to them and judgement applied in the selection of the six year forecast period. As a result, the DTA is sensitive to forecasting assumptions, and the actual utilisation of the deferred tax asset may vary from the timing and quantum expected. The judgements and estimates will be assessed on an ongoing basis. The \u00a326.1 million total deferred tax asset represents a recognition of c.73% of the brought forward loss position, and a recognition of 100% of the RDEC Step 2 credits. If taxable forecast profits reduced by 25% this would result in a \u00a36.0 million reduction of the total deferred tax asset to \u00a320.1 million, or a utilisation of c.55% of the carried forward loss position, with no impact on the RDEC Step 2 credits which remain \u00a32.5 million. If the period of forecasting were reduced by 1 year, the DTA would reduce by \u00a31.5 million. If the baseline forecast profits were fully achieved then a deferred tax asset of \u00a334.7 million (\u00a332.2 million in relation to the carried forward losses and \u00a32.5 million related to RDEC Step 2 credits) would have been recognised in full by 2030.",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-397": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls7 ws7 gs50d\">3. Discon<span class=\"_ _0\"></span>tinued operations<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs50e\">The G<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>nno<span class=\"_ _6\"></span>unc<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n 7 March 2024 its i<span class=\"_ _6\"></span>nten<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to di<span class=\"_ _6\"></span>vest o<span class=\"_ _6\"></span>f the U<span class=\"_ _6\"></span>S busi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s. As o<span class=\"_ _6\"></span>f thi<span class=\"_ _6\"></span>s date, t<span class=\"_ _6\"></span>he US b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s was co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls51 wsa7 gs50f\">to for<span class=\"_ _6\"></span>m a dis<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>al g<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>nd wa<span class=\"_ _6\"></span>s recl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as a di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>. An a<span class=\"_ _6\"></span>gree<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t was s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n 2<span class=\"_ _0\"></span>4 Ju<span class=\"_ _6\"></span>ne 2024 to sell t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls51 wsa7 gs510\">bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess to i<span class=\"_ _6\"></span>Bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss Fun<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g, LLC and t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ted as o<span class=\"_ _6\"></span>f 1 Jul<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4. As a res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup re<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls51 wsa7 gs511\">th<span class=\"_ _6\"></span>e US bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess u<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>il 1 J<span class=\"_ _6\"></span>uly 2024, at whi<span class=\"_ _6\"></span>ch po<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>t it w<span class=\"_ _6\"></span>as de<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs512\">The c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ve los<span class=\"_ _6\"></span>s for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r from d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns, se<span class=\"_ _6\"></span>gm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>al re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>, cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows fro<span class=\"_ _6\"></span>m dis<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs513\">an<span class=\"_ _6\"></span>d com<span class=\"_ _6\"></span>pon<span class=\"_ _6\"></span>ent e<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts of t<span class=\"_ _6\"></span>he g<span class=\"_ _6\"></span>ain o<span class=\"_ _6\"></span>n di<span class=\"_ _6\"></span>spo<span class=\"_ _6\"></span>sal a<span class=\"_ _6\"></span>re de<span class=\"_ _6\"></span>tai<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>low.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs514\">Discontinued<span class=\"_ _0\"></span> operation<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div><div class=\"gs515\"><table class=\"s w19c ha6\" id=\"_43208be8-ae21-4551-961a-fcc1880a5831\"><tr><td></td><td></td><td class=\"t m0 x3a6 h28 y288d ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x1b2 h28 y288d ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x3a7 h28 y288e ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x373 h28 y288e ff56 fs19 fc2 sc0 lsc9 wsed\">Exceptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y288e ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24</td></tr><tr><td></td><td class=\"t m0 x1b9 h28 y288f ff56 fs19 fc2 sc0 ls12 ws16\"> <span class=\"_ _1b4\"> </span><span class=\"ls95 wsdf\">Note<span class=\"_ _2f2\"> </span></span></td><td class=\"t m0 x3a8 h28 y288f ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x3a9 h28 y288f ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y288f ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2890 w1b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">T<span class=\"_ _b\"></span>ransaction fees<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3aa y2890 w19d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">10.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ab y2890 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ac y2890 w19d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2891 w19e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vici<span class=\"_ _6\"></span>ng fe<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3ad y2891 w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x25a y2891 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ae y2891 w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2892 w1a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Intere<span class=\"_ _0\"></span>st income<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3af y2892 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b0 y2892 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b1 y2892 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2893 w26 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er fe<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3b2 y2893 w1a1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b3 y2893 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b4 y2893 w1a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2894 w2a h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd4 wsf8\">Operating income<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3b5 y2895 w1a3 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls4c ws108\">13.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b6 y2895 w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b7 y2895 w1a3 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls4c ws108\">13.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2896 w2d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Inv<span class=\"_ _0\"></span>estment income<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3af y2896 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b0 y2896 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b1 y2896 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2897 w31 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal income<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3b8 y2898 w1a4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls2f ws37\">14.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b9 y2898 w22 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ba y2898 w1a4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls2f ws37\">14.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2899 w1a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Fair va<span class=\"_ _6\"></span>lue g<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3bb y2899 w1a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3bc y2899 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3bd y2899 w1a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y289a w1a7 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd4 wsf8\">Net income<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3be y289b w1a8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls79 ws80\">1<span class=\"_ _6\"></span>6.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3bf y289b w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c0 y289b w1a8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls79 ws80\">1<span class=\"_ _6\"></span>6.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y289c w3f h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">Expected<span class=\"_ _0\"></span> credit<span class=\"_ _0\"></span> loss<span class=\"_ _0\"></span> charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c1 y289d w1a9 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls12 ws16\">15, 1<span class=\"_ _6\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c2 y289d w10e h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c3 y289d w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c4 y289d w10e h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y289e w1aa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Peo<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>e cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3c5 y289e w1ab h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>6.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c6 y289e w1ac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c7 y289e w1ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(14<span class=\"_ _6\"></span>.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y289f w1ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>rket<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3c8 y289f w1af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(3.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c9 y289f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ca y289f w1b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(3.<span class=\"_ _0\"></span>7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27d5 w1b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Depreciation, amortisat<span class=\"_ _6\"></span>ion, im<span class=\"_ _0\"></span>pairment and modification gains<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cb y27d5 w1b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">10, 11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cc y27d5 w1b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3bf y27d5 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cd y27d5 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a0 w54 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3ce y28a0 w1b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls79 ws80\">(6.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y28a0 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d0 y28a0 w1b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls79 ws80\">(6.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a1 w58 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">Operating expenses<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3d1 y28a2 w1b6 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls79 ws80\">(26.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d2 y28a2 w1b7 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d3 y28a2 w1b8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls12 ws16\">(24.5)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a3 w1b9 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">Realised<span class=\"_ _0\"></span> FX r<span class=\"_ _0\"></span>ecy<span class=\"_ _0\"></span>cled f<span class=\"_ _0\"></span>rom<span class=\"_ _0\"></span> foreign<span class=\"_ _0\"></span> curr<span class=\"_ _0\"></span>ency<span class=\"_ _0\"></span> translation<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3d4 y28a4 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d5 y28a4 wb5 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d6 y28a4 wb5 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a5 w1ba h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Ga<span class=\"_ _6\"></span>in o<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>sal o<span class=\"_ _6\"></span>f US b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3d7 y28a6 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d8 y28a6 we8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d9 y28a6 we8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a7 w1bb h9a\"><div class=\"t m0 x1b5 hd y27c6 ff5b fs3 fc2 sc0 ls12 ws16\">(Los<span class=\"_ _6\"></span>s)<span class=\"_ _0\"></span>/pr<span class=\"_ _6\"></span>ofi<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>e tax<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3da y28a8 w1bc h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>1<span class=\"_ _5\"></span>0.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3db y28a8 w6e h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls6c wsf9\">18.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3dc y28a8 wfb h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">8.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a9 w1bd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">In<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3dd y28a9 w63 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3de y28a9 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3df y28a9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e0 y28a9 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28aa w6b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year f<span class=\"_ _6\"></span>rom di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3e1 y28aa w6d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>0.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e2 y28aa w6e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">18.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e3 y28aa w6f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">8.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y28ab ff54 fs3 fc2 sc0 ls7e wsa9\">Oth<span class=\"_ _6\"></span>er comprehe<span class=\"_ _6\"></span>nsive e<span class=\"_ _0\"></span>xpense<span class=\"_ _1ea\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _1eb\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x1b9 h5 y28ac ff56 fs3 fc2 sc0 ls3d ws47\">Exchange dif<span class=\"_ _6\"></span>fer<span class=\"_ _0\"></span>ences<span class=\"_ _0\"></span> on translation of<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span>eign operations \u2013<span class=\"_ _0\"></span> </td><td class=\"c n x3e4 y28ad wea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">19<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e5 y28ad w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e6 y28ad w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(8<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e7 y28ad w1be h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y28ae ff56 fs3 fc2 sc0 ls3d ws47\">discontinued operations<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1be y28af w1bf h9b\"><div class=\"t m0 x1b5 hd y27dd ff54 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>o<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>eh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive (exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e)<span class=\"_ _0\"></span>/i<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>ome fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e yea<span class=\"_ _6\"></span>r at<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le to<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">own<span class=\"_ _6\"></span>ers o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Par<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3e8 y28b0 w1c0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(10.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e9 y28b0 wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ea y28b0 w1c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y28b1 ff54 fs3 fc2 sc0 ls9c ws36\">Earnings<span class=\"_ _0\"></span> per share<span class=\"_ _1ec\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _1eb\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y28b2 w1c2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Bas<span class=\"_ _6\"></span>ic (lo<span class=\"_ _6\"></span>ss)/<span class=\"_ _0\"></span>ea<span class=\"_ _6\"></span>rni<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>er sha<span class=\"_ _6\"></span>re from di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3eb y28b2 w4a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ec y28b2 w1c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3<span class=\"_ _6\"></span>.0)<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3ed y28b2 w1c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">2.4p<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27e6 w1c5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted (lo<span class=\"_ _6\"></span>ss)/<span class=\"_ _0\"></span>ea<span class=\"_ _6\"></span>rni<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>er sha<span class=\"_ _6\"></span>re from di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ee y27e6 w55 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ef y27e6 w94 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3<span class=\"_ _6\"></span>.0)<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3f0 y27e6 w95 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.2p<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs517\">Segmental pr<span class=\"_ _0\"></span>ofit bef<span class=\"_ _0\"></span>ore<span class=\"_ _0\"></span> tax f<span class=\"_ _0\"></span>rom <span class=\"_ _0\"></span>discontinued<span class=\"_ _0\"></span> operations<span class=\"_ _2f2\"> </span></div><div class=\"gs518\"><table class=\"s w1c6 ha7\" id=\"_142ec742-974c-4735-9916-3671ddea51e0\"><tr><td></td><td class=\"t m0 x24d h28 y28b3 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24f h28 y28b4 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x252 h28 y28b5 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28b6 w1c7 h9f\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">Pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>fore t<span class=\"_ _6\"></span>ax<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f1 y28b7 wfb h9d\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">8.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b8 w1c8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Depreciation, amortisat<span class=\"_ _6\"></span>ion impairment<span class=\"_ _0\"></span> and modificat<span class=\"_ _6\"></span>ion gains<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f2 y28b8 w1b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w1c9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Exceptional items<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f3 y28b9 w1ca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">18.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w1cb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xpe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>/(<span class=\"_ _0\"></span>cha<span class=\"_ _6\"></span>rge)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f4 y280f w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs519\">Cash flo<span class=\"_ _0\"></span>w<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> discon<span class=\"_ _0\"></span>tinued operati<span class=\"_ _0\"></span>ons<span class=\"_ _2f2\"> </span></div><div class=\"gs51a\"><table class=\"s w1cc ha8\" id=\"_a968737d-52cb-4b2d-8a53-0773381de79e\"><tr><td></td><td class=\"t m0 x24d h28 y28ba ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24f h28 y28bb ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x252 h28 y28bc ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2808 w170 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g of t<span class=\"_ _6\"></span>he year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f5 y2808 w1cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">22.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2809 w1ce h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t cas<span class=\"_ _6\"></span>h ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>low f<span class=\"_ _6\"></span>rom op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f6 y2809 w42 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28bd w1cf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t cas<span class=\"_ _6\"></span>h ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>low f<span class=\"_ _6\"></span>rom inves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f7 y28bd w1d0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(13.3<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280b w1d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t cas<span class=\"_ _6\"></span>h ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>low f<span class=\"_ _6\"></span>rom f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>ng ac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f8 y280b w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1d2 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">Net decr<span class=\"_ _0\"></span>ease<span class=\"_ _0\"></span> in cash<span class=\"_ _0\"></span> generat<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f9 y28be w76 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w173 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ef<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>t of fore<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>n exchan<span class=\"_ _6\"></span>ge r<span class=\"_ _6\"></span>ate ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fa y2861 w1d3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w175 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Ca<span class=\"_ _6\"></span>sh an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>sh e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ival<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>t the e<span class=\"_ _6\"></span>nd o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fb y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls64 ws94 gs51b\">De<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e sa<span class=\"_ _6\"></span>le of<span class=\"_ _6\"></span> the U<span class=\"_ _6\"></span>S bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>s (except<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l ite<span class=\"_ _6\"></span>ms fro<span class=\"_ _6\"></span>m di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ued o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons)<span class=\"_ _2f2\"> </span></div><div class=\"gs51c\"><table class=\"s w1d4 ha9\" id=\"_e5537383-7419-466c-8ab0-1127b514529d\"><tr><td></td><td class=\"t m0 x24d h28 y28bf ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24f h28 y28c0 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x252 h28 y28c1 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y28c2 ff55 fs3 fc2 sc0 ls3d ws47\">Consideration receiv<span class=\"_ _0\"></span>ed:<span class=\"_ _1f7\"> </span><span class=\"ff56 ls12 ws16\"> </span></td><td></td></tr><tr><td class=\"c n x1be y28c3 w1d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Cash consideration a<span class=\"_ _0\"></span>t pre<span class=\"_ _0\"></span>vailing<span class=\"_ _0\"></span> ex<span class=\"_ _0\"></span>change rat<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x270 y28c3 w150 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">32.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c4 w1d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ets d<span class=\"_ _6\"></span>isp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d of (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd ca<span class=\"_ _6\"></span>sh e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of \u00a323.<span class=\"_ _0\"></span>1 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fc y28c4 w1d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(22.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c5 w1d8 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Gr<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n on s<span class=\"_ _6\"></span>ale<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fd y28c6 w1d9 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">10.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c7 w1da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>t tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r le<span class=\"_ _6\"></span>gal<span class=\"_ _6\"></span>, adv<span class=\"_ _6\"></span>iso<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1e3 y28c7 w1db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(2.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c8 w1dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of (ear<span class=\"_ _6\"></span>ly ves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng)/l<span class=\"_ _6\"></span>aps<span class=\"_ _6\"></span>ing U<span class=\"_ _6\"></span>S sha<span class=\"_ _6\"></span>re opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fe y28c8 w1b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c9 w1dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er di<span class=\"_ _6\"></span>spo<span class=\"_ _6\"></span>sal<span class=\"_ _6\"></span>-re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ff y28c9 w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ca w1de h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Ga<span class=\"_ _6\"></span>in o<span class=\"_ _6\"></span>n sal<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x400 y28cb w1df h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w1e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>clas<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>y tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x401 y2861 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w1e1 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>o<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l ga<span class=\"_ _6\"></span>in as a r<span class=\"_ _6\"></span>esu<span class=\"_ _6\"></span>lt o<span class=\"_ _6\"></span>f dis<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>l af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r rec<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of fo<span class=\"_ _6\"></span>rei<span class=\"_ _6\"></span>gn c<span class=\"_ _6\"></span>urr<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>cy tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on re<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>rve<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x402 y2810 w1e2 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls6c wsf9\">1<span class=\"_ _6\"></span>8.5<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs51e\">As<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e US bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess d<span class=\"_ _6\"></span>isp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d of:<span class=\"_ _2f2\"> </span></div><div class=\"gs51f\"><table class=\"s w1e3 haa\" id=\"_ed73bb0a-cd14-4aa7-a78b-110ee5676603\"><tr><td></td><td class=\"t m0 x1b2 h28 y28cc ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x1b8 h28 y28cd ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h28 y28ce ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y28cf ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-current assets<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"c n x1be y28d0 w1e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prop<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x403 y28d0 w1e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2820 w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x404 y2820 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28d1 waf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x405 y28d1 w1e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">1.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2822 wbd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x406 y2822 w1e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x407 h5 y28d2 ff53 fs3 fc3 sc0 ls5 ws43\">3.9<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y28d3 ff54 fs3 fc2 sc0 lsd4 wsf8\">Current assets<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"c n x1be y28d4 wb6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x408 y28d4 w1e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28d5 wbd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x409 y28d5 w1ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28d6 wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40a y28d6 w1eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1b8 h5 y28d7 ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>2<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28d8 wc7 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal assets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40b y28d9 w1ec h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2a ws39\">3<span class=\"_ _6\"></span>6.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y28da ff54 fs3 fc2 sc0 ls9c ws36\">Current<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"c n x1be y28c3 wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40c y28c3 w1ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">4.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28db wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x289 y28db wd5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">3.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x407 h5 y28dc ff53 fs3 fc3 sc0 ls79 ws80\">8.3<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y28dd ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-current liabilities<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"c n x1be y28de w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40d y28de w1ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">1.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c9 wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x289 y28c9 w1f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">3.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x407 h5 y28df ff53 fs3 fc3 sc0 ls5 ws43\">5.5<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28e0 wdf h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls9c ws36\">T<span class=\"_ _b\"></span>otal liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40e y28e1 w1f1 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls81 wsad\">1<span class=\"_ _6\"></span>3.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w1f2 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal net asset<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40f y2810 w1f3 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls71 ws7e\">22.2</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-433": {
   "value": "3. Discon<span class=\"_ _0\"></span>tinued operations<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>nno<span class=\"_ _6\"></span>unc<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n 7 March 2024 its i<span class=\"_ _6\"></span>nten<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to di<span class=\"_ _6\"></span>vest o<span class=\"_ _6\"></span>f the U<span class=\"_ _6\"></span>S busi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s. As o<span class=\"_ _6\"></span>f thi<span class=\"_ _6\"></span>s date, t<span class=\"_ _6\"></span>he US b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s was co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d to for<span class=\"_ _6\"></span>m a dis<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>al g<span class=\"_ _6\"></span>roup a<span class=\"_ _6\"></span>nd wa<span class=\"_ _6\"></span>s recl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d as a di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>. An a<span class=\"_ _6\"></span>gree<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t was s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n 2<span class=\"_ _0\"></span>4 Ju<span class=\"_ _6\"></span>ne 2024 to sell t<span class=\"_ _6\"></span>he bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess to i<span class=\"_ _6\"></span>Bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss Fun<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g, LLC and t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ted as o<span class=\"_ _6\"></span>f 1 Jul<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4. As a res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup re<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l of th<span class=\"_ _6\"></span>e US bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess u<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>il 1 J<span class=\"_ _6\"></span>uly 2024, at whi<span class=\"_ _6\"></span>ch po<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>t it w<span class=\"_ _6\"></span>as de<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ve los<span class=\"_ _6\"></span>s for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r from d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns, se<span class=\"_ _6\"></span>gm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>al re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>, cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows fro<span class=\"_ _6\"></span>m dis<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons an<span class=\"_ _6\"></span>d com<span class=\"_ _6\"></span>pon<span class=\"_ _6\"></span>ent e<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts of t<span class=\"_ _6\"></span>he g<span class=\"_ _6\"></span>ain o<span class=\"_ _6\"></span>n di<span class=\"_ _6\"></span>spo<span class=\"_ _6\"></span>sal a<span class=\"_ _6\"></span>re de<span class=\"_ _6\"></span>tai<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>low.<span class=\"_ _2f2\"> </span>Discontinued<span class=\"_ _0\"></span> operation<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span><table class=\"s w19c ha6\" id=\"_43208be8-ae21-4551-961a-fcc1880a5831\"><tr><td></td><td></td><td class=\"t m0 x3a6 h28 y288d ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x1b2 h28 y288d ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x3a7 h28 y288e ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x373 h28 y288e ff56 fs19 fc2 sc0 lsc9 wsed\">Exceptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y288e ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24</td></tr><tr><td></td><td class=\"t m0 x1b9 h28 y288f ff56 fs19 fc2 sc0 ls12 ws16\"> <span class=\"_ _1b4\"> </span><span class=\"ls95 wsdf\">Note<span class=\"_ _2f2\"> </span></span></td><td class=\"t m0 x3a8 h28 y288f ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x3a9 h28 y288f ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y288f ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2890 w1b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">T<span class=\"_ _b\"></span>ransaction fees<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3aa y2890 w19d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">10.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ab y2890 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ac y2890 w19d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2891 w19e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vici<span class=\"_ _6\"></span>ng fe<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3ad y2891 w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x25a y2891 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ae y2891 w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2892 w1a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Intere<span class=\"_ _0\"></span>st income<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3af y2892 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b0 y2892 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b1 y2892 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2893 w26 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er fe<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3b2 y2893 w1a1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b3 y2893 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b4 y2893 w1a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2894 w2a h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd4 wsf8\">Operating income<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3b5 y2895 w1a3 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls4c ws108\">13.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b6 y2895 w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b7 y2895 w1a3 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls4c ws108\">13.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2896 w2d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Inv<span class=\"_ _0\"></span>estment income<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3af y2896 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b0 y2896 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b1 y2896 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2897 w31 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal income<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3b8 y2898 w1a4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls2f ws37\">14.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b9 y2898 w22 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ba y2898 w1a4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls2f ws37\">14.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2899 w1a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Fair va<span class=\"_ _6\"></span>lue g<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3bb y2899 w1a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3bc y2899 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3bd y2899 w1a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y289a w1a7 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd4 wsf8\">Net income<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3be y289b w1a8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls79 ws80\">1<span class=\"_ _6\"></span>6.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3bf y289b w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c0 y289b w1a8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls79 ws80\">1<span class=\"_ _6\"></span>6.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y289c w3f h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">Expected<span class=\"_ _0\"></span> credit<span class=\"_ _0\"></span> loss<span class=\"_ _0\"></span> charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c1 y289d w1a9 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls12 ws16\">15, 1<span class=\"_ _6\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c2 y289d w10e h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c3 y289d w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c4 y289d w10e h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y289e w1aa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Peo<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>e cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3c5 y289e w1ab h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>6.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c6 y289e w1ac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c7 y289e w1ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(14<span class=\"_ _6\"></span>.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y289f w1ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>rket<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3c8 y289f w1af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(3.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c9 y289f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ca y289f w1b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(3.<span class=\"_ _0\"></span>7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27d5 w1b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Depreciation, amortisat<span class=\"_ _6\"></span>ion, im<span class=\"_ _0\"></span>pairment and modification gains<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cb y27d5 w1b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">10, 11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cc y27d5 w1b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3bf y27d5 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cd y27d5 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a0 w54 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3ce y28a0 w1b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls79 ws80\">(6.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y28a0 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d0 y28a0 w1b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls79 ws80\">(6.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a1 w58 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">Operating expenses<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3d1 y28a2 w1b6 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls79 ws80\">(26.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d2 y28a2 w1b7 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d3 y28a2 w1b8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls12 ws16\">(24.5)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a3 w1b9 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">Realised<span class=\"_ _0\"></span> FX r<span class=\"_ _0\"></span>ecy<span class=\"_ _0\"></span>cled f<span class=\"_ _0\"></span>rom<span class=\"_ _0\"></span> foreign<span class=\"_ _0\"></span> curr<span class=\"_ _0\"></span>ency<span class=\"_ _0\"></span> translation<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3d4 y28a4 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d5 y28a4 wb5 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d6 y28a4 wb5 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a5 w1ba h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Ga<span class=\"_ _6\"></span>in o<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>sal o<span class=\"_ _6\"></span>f US b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3d7 y28a6 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d8 y28a6 we8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d9 y28a6 we8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a7 w1bb h9a\"><div class=\"t m0 x1b5 hd y27c6 ff5b fs3 fc2 sc0 ls12 ws16\">(Los<span class=\"_ _6\"></span>s)<span class=\"_ _0\"></span>/pr<span class=\"_ _6\"></span>ofi<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>e tax<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3da y28a8 w1bc h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>1<span class=\"_ _5\"></span>0.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3db y28a8 w6e h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls6c wsf9\">18.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3dc y28a8 wfb h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">8.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28a9 w1bd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">In<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3dd y28a9 w63 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3de y28a9 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3df y28a9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e0 y28a9 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28aa w6b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year f<span class=\"_ _6\"></span>rom di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3e1 y28aa w6d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>0.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e2 y28aa w6e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">18.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e3 y28aa w6f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">8.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y28ab ff54 fs3 fc2 sc0 ls7e wsa9\">Oth<span class=\"_ _6\"></span>er comprehe<span class=\"_ _6\"></span>nsive e<span class=\"_ _0\"></span>xpense<span class=\"_ _1ea\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _1eb\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x1b9 h5 y28ac ff56 fs3 fc2 sc0 ls3d ws47\">Exchange dif<span class=\"_ _6\"></span>fer<span class=\"_ _0\"></span>ences<span class=\"_ _0\"></span> on translation of<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span>eign operations \u2013<span class=\"_ _0\"></span> </td><td class=\"c n x3e4 y28ad wea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">19<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e5 y28ad w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e6 y28ad w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(8<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e7 y28ad w1be h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y28ae ff56 fs3 fc2 sc0 ls3d ws47\">discontinued operations<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1be y28af w1bf h9b\"><div class=\"t m0 x1b5 hd y27dd ff54 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>o<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>eh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive (exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e)<span class=\"_ _0\"></span>/i<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>ome fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e yea<span class=\"_ _6\"></span>r at<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le to<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">own<span class=\"_ _6\"></span>ers o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Par<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3e8 y28b0 w1c0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(10.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3e9 y28b0 wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ea y28b0 w1c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y28b1 ff54 fs3 fc2 sc0 ls9c ws36\">Earnings<span class=\"_ _0\"></span> per share<span class=\"_ _1ec\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _1eb\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y28b2 w1c2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Bas<span class=\"_ _6\"></span>ic (lo<span class=\"_ _6\"></span>ss)/<span class=\"_ _0\"></span>ea<span class=\"_ _6\"></span>rni<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>er sha<span class=\"_ _6\"></span>re from di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3eb y28b2 w4a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ec y28b2 w1c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3<span class=\"_ _6\"></span>.0)<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3ed y28b2 w1c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">2.4p<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27e6 w1c5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted (lo<span class=\"_ _6\"></span>ss)/<span class=\"_ _0\"></span>ea<span class=\"_ _6\"></span>rni<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>er sha<span class=\"_ _6\"></span>re from di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ee y27e6 w55 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ef y27e6 w94 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3<span class=\"_ _6\"></span>.0)<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x3f0 y27e6 w95 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.2p<span class=\"_ _2f2\"> </span></div></td></tr></table>Segmental pr<span class=\"_ _0\"></span>ofit bef<span class=\"_ _0\"></span>ore<span class=\"_ _0\"></span> tax f<span class=\"_ _0\"></span>rom <span class=\"_ _0\"></span>discontinued<span class=\"_ _0\"></span> operations<span class=\"_ _2f2\"> </span><table class=\"s w1c6 ha7\" id=\"_142ec742-974c-4735-9916-3671ddea51e0\"><tr><td></td><td class=\"t m0 x24d h28 y28b3 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24f h28 y28b4 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x252 h28 y28b5 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28b6 w1c7 h9f\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">Pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>fore t<span class=\"_ _6\"></span>ax<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f1 y28b7 wfb h9d\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">8.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b8 w1c8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Depreciation, amortisat<span class=\"_ _6\"></span>ion impairment<span class=\"_ _0\"></span> and modificat<span class=\"_ _6\"></span>ion gains<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f2 y28b8 w1b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w1c9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Exceptional items<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f3 y28b9 w1ca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">18.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w1cb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xpe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>/(<span class=\"_ _0\"></span>cha<span class=\"_ _6\"></span>rge)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f4 y280f w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr></table>Cash flo<span class=\"_ _0\"></span>w<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> discon<span class=\"_ _0\"></span>tinued operati<span class=\"_ _0\"></span>ons<span class=\"_ _2f2\"> </span><table class=\"s w1cc ha8\" id=\"_a968737d-52cb-4b2d-8a53-0773381de79e\"><tr><td></td><td class=\"t m0 x24d h28 y28ba ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24f h28 y28bb ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x252 h28 y28bc ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2808 w170 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g of t<span class=\"_ _6\"></span>he year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f5 y2808 w1cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">22.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2809 w1ce h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t cas<span class=\"_ _6\"></span>h ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>low f<span class=\"_ _6\"></span>rom op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f6 y2809 w42 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28bd w1cf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t cas<span class=\"_ _6\"></span>h ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>low f<span class=\"_ _6\"></span>rom inves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f7 y28bd w1d0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(13.3<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280b w1d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t cas<span class=\"_ _6\"></span>h ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>low f<span class=\"_ _6\"></span>rom f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>ng ac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f8 y280b w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1d2 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">Net decr<span class=\"_ _0\"></span>ease<span class=\"_ _0\"></span> in cash<span class=\"_ _0\"></span> generat<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f9 y28be w76 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w173 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ef<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>t of fore<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>n exchan<span class=\"_ _6\"></span>ge r<span class=\"_ _6\"></span>ate ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fa y2861 w1d3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w175 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Ca<span class=\"_ _6\"></span>sh an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>sh e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ival<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>t the e<span class=\"_ _6\"></span>nd o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fb y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr></table>De<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e sa<span class=\"_ _6\"></span>le of<span class=\"_ _6\"></span> the U<span class=\"_ _6\"></span>S bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>s (except<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l ite<span class=\"_ _6\"></span>ms fro<span class=\"_ _6\"></span>m di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ued o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons)<span class=\"_ _2f2\"> </span><table class=\"s w1d4 ha9\" id=\"_e5537383-7419-466c-8ab0-1127b514529d\"><tr><td></td><td class=\"t m0 x24d h28 y28bf ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24f h28 y28c0 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x252 h28 y28c1 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y28c2 ff55 fs3 fc2 sc0 ls3d ws47\">Consideration receiv<span class=\"_ _0\"></span>ed:<span class=\"_ _1f7\"> </span><span class=\"ff56 ls12 ws16\"> </span></td><td></td></tr><tr><td class=\"c n x1be y28c3 w1d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Cash consideration a<span class=\"_ _0\"></span>t pre<span class=\"_ _0\"></span>vailing<span class=\"_ _0\"></span> ex<span class=\"_ _0\"></span>change rat<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x270 y28c3 w150 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">32.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c4 w1d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ets d<span class=\"_ _6\"></span>isp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d of (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd ca<span class=\"_ _6\"></span>sh e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of \u00a323.<span class=\"_ _0\"></span>1 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fc y28c4 w1d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(22.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c5 w1d8 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Gr<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n on s<span class=\"_ _6\"></span>ale<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fd y28c6 w1d9 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">10.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c7 w1da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>t tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r le<span class=\"_ _6\"></span>gal<span class=\"_ _6\"></span>, adv<span class=\"_ _6\"></span>iso<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1e3 y28c7 w1db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(2.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c8 w1dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of (ear<span class=\"_ _6\"></span>ly ves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng)/l<span class=\"_ _6\"></span>aps<span class=\"_ _6\"></span>ing U<span class=\"_ _6\"></span>S sha<span class=\"_ _6\"></span>re opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fe y28c8 w1b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c9 w1dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er di<span class=\"_ _6\"></span>spo<span class=\"_ _6\"></span>sal<span class=\"_ _6\"></span>-re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ff y28c9 w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ca w1de h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Ga<span class=\"_ _6\"></span>in o<span class=\"_ _6\"></span>n sal<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x400 y28cb w1df h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w1e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>clas<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>y tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x401 y2861 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w1e1 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>o<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l ga<span class=\"_ _6\"></span>in as a r<span class=\"_ _6\"></span>esu<span class=\"_ _6\"></span>lt o<span class=\"_ _6\"></span>f dis<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>l af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r rec<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of fo<span class=\"_ _6\"></span>rei<span class=\"_ _6\"></span>gn c<span class=\"_ _6\"></span>urr<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>cy tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on re<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>rve<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x402 y2810 w1e2 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls6c wsf9\">1<span class=\"_ _6\"></span>8.5<span class=\"_ _2f2\"> </span></div></td></tr></table>As<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e US bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess d<span class=\"_ _6\"></span>isp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d of:<span class=\"_ _2f2\"> </span><table class=\"s w1e3 haa\" id=\"_ed73bb0a-cd14-4aa7-a78b-110ee5676603\"><tr><td></td><td class=\"t m0 x1b2 h28 y28cc ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x1b8 h28 y28cd ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x1bd h28 y28ce ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y28cf ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-current assets<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"c n x1be y28d0 w1e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prop<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x403 y28d0 w1e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2820 w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x404 y2820 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28d1 waf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x405 y28d1 w1e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">1.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2822 wbd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x406 y2822 w1e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x407 h5 y28d2 ff53 fs3 fc3 sc0 ls5 ws43\">3.9<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y28d3 ff54 fs3 fc2 sc0 lsd4 wsf8\">Current assets<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"c n x1be y28d4 wb6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x408 y28d4 w1e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28d5 wbd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x409 y28d5 w1ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28d6 wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40a y28d6 w1eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1b8 h5 y28d7 ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>2<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28d8 wc7 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal assets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40b y28d9 w1ec h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2a ws39\">3<span class=\"_ _6\"></span>6.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y28da ff54 fs3 fc2 sc0 ls9c ws36\">Current<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"c n x1be y28c3 wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40c y28c3 w1ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">4.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28db wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x289 y28db wd5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">3.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x407 h5 y28dc ff53 fs3 fc3 sc0 ls79 ws80\">8.3<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y28dd ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-current liabilities<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"c n x1be y28de w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40d y28de w1ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">1.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c9 wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x289 y28c9 w1f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">3.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x407 h5 y28df ff53 fs3 fc3 sc0 ls5 ws43\">5.5<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28e0 wdf h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls9c ws36\">T<span class=\"_ _b\"></span>otal liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40e y28e1 w1f1 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls81 wsad\">1<span class=\"_ _6\"></span>3.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w1f2 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal net asset<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x40f y2810 w1f3 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls71 ws7e\">22.2</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-398": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls3 ws3 gs521\">4. E<span class=\"_ _6\"></span>xcep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs522\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p refl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>ts u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>erl<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he \u201c<span class=\"_ _6\"></span>befo<span class=\"_ _6\"></span>re excep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l ite<span class=\"_ _6\"></span>ms\u201d co<span class=\"_ _6\"></span>lum<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs523\">com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e in o<span class=\"_ _6\"></span>rder to p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>e a cl<span class=\"_ _6\"></span>ear a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>nsis<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>t vie<span class=\"_ _6\"></span>w of tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs524\">In t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>reviou<span class=\"_ _6\"></span>s year, as par<span class=\"_ _5\"></span>t of it<span class=\"_ _6\"></span>s ong<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t to prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y, the Gro<span class=\"_ _6\"></span>up l<span class=\"_ _6\"></span>aun<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>d a red<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>y and c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t ef<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs525\">pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>mme d<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>. This p<span class=\"_ _6\"></span>roce<span class=\"_ _6\"></span>ss wi<span class=\"_ _6\"></span>ll res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t in a si<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ler, lean<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>nd be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ned U<span class=\"_ _6\"></span>K<span class=\"_ _0\"></span>-foc<span class=\"_ _6\"></span>use<span class=\"_ _6\"></span>d ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>is </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs526\">resu<span class=\"_ _6\"></span>lte<span class=\"_ _6\"></span>d in re<span class=\"_ _6\"></span>dun<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ncy c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s of \u00a32.3 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>irm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t of ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed d<span class=\"_ _6\"></span>evelo<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt s<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>tan<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts of \u00a3<span class=\"_ _6\"></span>0.3 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs527\">whi<span class=\"_ _6\"></span>ch were t<span class=\"_ _6\"></span>rea<span class=\"_ _6\"></span>ted as exc<span class=\"_ _6\"></span>ept<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ms.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs528\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p disp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d of i<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in t<span class=\"_ _6\"></span>he US b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s on 1 J<span class=\"_ _6\"></span>uly 2024, as det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d in no<span class=\"_ _6\"></span>te 3.</div>",
   "dimensions": {
    "concept": "fundingcircle:DisclosureOfExceptionalItems",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-399": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls7 ws7 gs52a\">5. Segmental inf<span class=\"_ _0\"></span>ormation<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs52b\">IFRS 8 O<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g Se<span class=\"_ _6\"></span>gme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s requ<span class=\"_ _6\"></span>ires t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup t<span class=\"_ _6\"></span>o dete<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ine i<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g se<span class=\"_ _6\"></span>gme<span class=\"_ _6\"></span>nts b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on i<span class=\"_ _6\"></span>nfor<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch is u<span class=\"_ _6\"></span>sed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs52c\">in<span class=\"_ _6\"></span>tern<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y for d<span class=\"_ _6\"></span>ecis<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n mak<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g. Bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>al rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up, it h<span class=\"_ _6\"></span>as </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs52d\">be<span class=\"_ _6\"></span>en d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ned t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>ere are t<span class=\"_ _6\"></span>wo co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss an<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tive p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod o<span class=\"_ _6\"></span>ne d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed U<span class=\"_ _6\"></span>S bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs52e\">se<span class=\"_ _6\"></span>gme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s. Rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g on t<span class=\"_ _6\"></span>his b<span class=\"_ _6\"></span>asis i<span class=\"_ _6\"></span>s reviewe<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e Exe<span class=\"_ _6\"></span>cu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve Com<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>e (\u201cE<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>Co\u201d<span class=\"_ _6\"></span>), which i<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e chi<span class=\"_ _6\"></span>ef op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng de<span class=\"_ _6\"></span>cis<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n maker </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs52f\">(\u201cC<span class=\"_ _6\"></span>OD<span class=\"_ _6\"></span>M\u201d<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>. The E<span class=\"_ _6\"></span>xC<span class=\"_ _6\"></span>o is m<span class=\"_ _6\"></span>ade u<span class=\"_ _6\"></span>p of t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve Dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ors a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r sen<span class=\"_ _6\"></span>ior m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d is resp<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le for t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>gic </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs530\">de<span class=\"_ _6\"></span>cisi<span class=\"_ _6\"></span>on m<span class=\"_ _6\"></span>aki<span class=\"_ _6\"></span>ng of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. R<span class=\"_ _6\"></span>epo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g seg<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g info<span class=\"_ _6\"></span>rma<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he CO<span class=\"_ _6\"></span>DM </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs531\">whi<span class=\"_ _6\"></span>ch ten<span class=\"_ _6\"></span>ds to b<span class=\"_ _6\"></span>e grou<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d by ge<span class=\"_ _6\"></span>ogr<span class=\"_ _6\"></span>aphy i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e com<span class=\"_ _6\"></span>par<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d or by p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ts wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h sim<span class=\"_ _6\"></span>ila<span class=\"_ _6\"></span>r cha<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cs. T<span class=\"_ _6\"></span>he T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Lo<span class=\"_ _6\"></span>ans </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs532\">se<span class=\"_ _6\"></span>gme<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>e T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>lon<span class=\"_ _6\"></span>g wi<span class=\"_ _6\"></span>th s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-ter<span class=\"_ _6\"></span>m lo<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>ch have si<span class=\"_ _6\"></span>mil<span class=\"_ _6\"></span>ar fea<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res of co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>ixe<span class=\"_ _6\"></span>d T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs533\">Loan<span class=\"_ _6\"></span>s and s<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>lar reve<span class=\"_ _6\"></span>nue s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reams a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s. The Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay se<span class=\"_ _6\"></span>gme<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ns our l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>e of cred<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>nclu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng C<span class=\"_ _6\"></span>ashb<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>k </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs534\">ca<span class=\"_ _6\"></span>rd and g<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>lly c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ns ou<span class=\"_ _6\"></span>r newer p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t inn<span class=\"_ _6\"></span>ovat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns and m<span class=\"_ _6\"></span>ore f<span class=\"_ _6\"></span>lex<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs535\">The E<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>Co me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>res th<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>man<span class=\"_ _6\"></span>ce of e<span class=\"_ _6\"></span>ach s<span class=\"_ _6\"></span>egm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t pri<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ril<span class=\"_ _6\"></span>y by referen<span class=\"_ _6\"></span>ce to p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t b<span class=\"_ _6\"></span>efore t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>. Add<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, the E<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>Co u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>es </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs536\">a no<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>GA<span class=\"_ _6\"></span>A<span class=\"_ _6\"></span>P meas<span class=\"_ _6\"></span>ure, p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>fore t<span class=\"_ _6\"></span>ax (be<span class=\"_ _6\"></span>fore exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>tems), whi<span class=\"_ _6\"></span>ch is de<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>d as prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>/l<span class=\"_ _6\"></span>oss fo<span class=\"_ _6\"></span>r the ye<span class=\"_ _6\"></span>ar be<span class=\"_ _6\"></span>fore t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs537\">exclu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>tems<span class=\"_ _6\"></span>. Prof<span class=\"_ _6\"></span>it b<span class=\"_ _6\"></span>efore t<span class=\"_ _6\"></span>ax (b<span class=\"_ _6\"></span>efore exc<span class=\"_ _6\"></span>ept<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>s) is a meas<span class=\"_ _6\"></span>ure of G<span class=\"_ _6\"></span>roup p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e as it </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs538\">all<span class=\"_ _6\"></span>ows b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>rab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess. T<span class=\"_ _6\"></span>he se<span class=\"_ _6\"></span>gm<span class=\"_ _6\"></span>ent re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng excl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs539\">Gro<span class=\"_ _6\"></span>up\u2019s t<span class=\"_ _6\"></span>rans<span class=\"_ _6\"></span>fer p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g arr<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s as t<span class=\"_ _6\"></span>his is n<span class=\"_ _6\"></span>ot i<span class=\"_ _6\"></span>nfor<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n pres<span class=\"_ _6\"></span>ente<span class=\"_ _6\"></span>d to, or u<span class=\"_ _6\"></span>sed by<span class=\"_ _0\"></span>, th<span class=\"_ _6\"></span>e CO<span class=\"_ _6\"></span>DM in d<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>isio<span class=\"_ _6\"></span>n ma<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>g or t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs53a\">all<span class=\"_ _6\"></span>oc<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of reso<span class=\"_ _6\"></span>urces<span class=\"_ _6\"></span>. The s<span class=\"_ _6\"></span>egm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t resul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>e an a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of ce<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ral a<span class=\"_ _6\"></span>nd s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>ts w<span class=\"_ _6\"></span>hich a<span class=\"_ _6\"></span>re all<span class=\"_ _6\"></span>oc<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>asis </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs53b\">of bu<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>ete<span class=\"_ _6\"></span>d revenu<span class=\"_ _6\"></span>e gen<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en th<span class=\"_ _6\"></span>e se<span class=\"_ _6\"></span>gme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"gs53d\"><table class=\"s w1f4 hab\" id=\"_1dfbfdb7-384c-4645-b9b5-8fddd7836414\"><tr><td></td><td class=\"c n x410 y28e2 w1f5 h96\"><div class=\"t m0 x1b5 h28 y27aa ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c x412 y28e2 w1f6 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24</div><div class=\"t m0 x411 h48 y27ab ff56 fs23 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c n x413 y28e3 w1f7 h96\"><div class=\"t m0 x1b5 h28 y27aa ff53 fs19 fc3 sc0 lsca wsee\">Continuing operations<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x414 y28e3 w1f8 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">Continuing operations<span class=\"_ _2f2\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x415 h28 y28e4 ff53 fs19 fc3 sc0 ls100 ws127\">Te<span class=\"_ _6\"></span>r<span class=\"_ _5\"></span>m<span class=\"_ _6\"></span> L<span class=\"_ _6\"></span>o<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>n<span class=\"_ _5\"></span>s<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x416 h28 y28e4 ff53 fs19 fc3 sc0 ls97 wsdc\">Flex<span class=\"_ _6\"></span>iPay<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x417 h28 y28e4 ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x418 h28 y28e4 ff55 fs19 fc2 sc0 ls12 ws16\">T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x419 h28 y28e4 ff55 fs19 fc2 sc0 lsdb ws103\">FlexiP<span class=\"_ _0\"></span>ay<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y28e4 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x41a h28 y28e5 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x41b h28 y28e5 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x41c h28 y28e5 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x41d h28 y28e5 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x41e h28 y28e5 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y28e5 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28e6 w1b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">T<span class=\"_ _b\"></span>ransaction fees<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x41f y28e6 w1f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">10<span class=\"_ _6\"></span>5.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x420 y28e6 wb0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd6 ws75\">1.2</div></td><td class=\"c n x421 y28e6 w1c h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">1<span class=\"_ _5\"></span>0<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x422 y28e6 w1fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">84.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x423 y28e6 w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x265 y28e6 w1fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">85.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e7 w1f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Servicing fees<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x424 y28e7 w1fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">35.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x425 y28e7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x426 y28e7 w1fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">35.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x427 y28e7 w21 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x428 y28e7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x429 y28e7 w1fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e8 w1a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Intere<span class=\"_ _0\"></span>st income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x42a y28e8 w1ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">5<span class=\"_ _6\"></span>.6</div></td><td class=\"c n x42b y28e8 w200 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">44.6</div></td><td class=\"c n x42c y28e8 w24 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">50.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x42d y28e8 w6f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">8.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x42e y28e8 w201 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2<span class=\"_ _6\"></span>2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x42f y28e8 w25 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>0.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e9 w26 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er fe<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x430 y28e9 w202 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">5.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x431 y28e9 w203 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x432 y28e9 w204 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">5<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x433 y28e9 w205 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x434 y28e9 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x435 y28e9 w29 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ea w206 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Operating income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x436 y28ea w207 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>52<span class=\"_ _6\"></span>.3</div></td><td class=\"c n x437 y28ea w208 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">45.9</div></td><td class=\"c n x438 y28ea w209 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls81 wsad\">19<span class=\"_ _6\"></span>8.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x439 y28ea w20a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">13<span class=\"_ _6\"></span>5.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x43a y28ea w158 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls77 ws7c\">23<span class=\"_ _6\"></span>.3</div></td><td class=\"c n x43b y28ea w20b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">1<span class=\"_ _6\"></span>58.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28eb w2d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Inv<span class=\"_ _0\"></span>estment income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x43c y28eb w20c h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">24.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x43d y28eb w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x43e y28eb w20d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">24<span class=\"_ _6\"></span>.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x43f y28eb w2f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x440 y28eb w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x441 y28eb w2f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ec w31 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x442 y28ed w20e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">176<span class=\"_ _6\"></span>.6</div></td><td class=\"c n x443 y28ed w20f h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls5 ws43\">4<span class=\"_ _6\"></span>5.9</div></td><td class=\"c n x444 y28ed w210 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls71 ws7e\">222.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x445 y28ed w211 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">13<span class=\"_ _6\"></span>8.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x446 y28ed w212 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls77 ws7c\">23.<span class=\"_ _6\"></span>3</div></td><td class=\"c n x3f7 y28ed w213 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">16<span class=\"_ _6\"></span>1.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ee w34 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fair va<span class=\"_ _6\"></span>lue (l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es)/<span class=\"_ _0\"></span>gai<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x447 y28ee w214 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x448 y28ee w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x449 y28ee w215 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x44a y28ee w36 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x440 y28ee w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x441 y28ee w36 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ef w38 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Cos<span class=\"_ _6\"></span>t of f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x44b y28ef w216 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(2.<span class=\"_ _6\"></span>5)</div></td><td class=\"c n x44c y28ef w217 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls30 ws38\">(9.0)</div></td><td class=\"c n x44d y28ef w218 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(11<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x44e y28ef w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x44f y28ef w219 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(5.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x450 y28ef w3a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(5.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28f0 w21a h98\"><div class=\"t m0 x1b5 hd y27b4 ff5b fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e (\u201creve<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>e\u201d)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x451 y28f1 w21b h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 lse5 ws10c\">1<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x452 y28f1 w21c h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls5 ws43\">3<span class=\"_ _6\"></span>6.9</div></td><td class=\"c n x453 y28f1 w3d h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls25 ws7d\">20<span class=\"_ _6\"></span>4.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x454 y28f1 w21d h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls39 ws42\">142.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x455 y28f1 w21e h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x456 y28f1 w3e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>6<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28f2 w21f h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">Pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>/<span class=\"_ _0\"></span>(lo<span class=\"_ _6\"></span>ss) be<span class=\"_ _6\"></span>fore t<span class=\"_ _6\"></span>ax<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x457 y28f3 w220 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls24 ws2c\">32.<span class=\"_ _6\"></span>2</div></td><td class=\"c n x458 y28f3 w221 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls2b ws66\">(11<span class=\"_ _6\"></span>.9)</div></td><td class=\"c n x459 y28f3 w222 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">20.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x45a y28f3 w223 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">16<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x45b y28f3 w224 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls25 ws7d\">(15.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x258 y28f3 w225 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m3 x250 h5 y28f4 ff55 fs3 fc2 sc0 ls5d ws84\">Depreciation, <span class=\"_ _0\"></span>amor<span class=\"_ _6\"></span>tisation impairment<span class=\"_ _0\"></span> and<span class=\"_ _0\"></span> modificat<span class=\"_ _6\"></span>ion <span class=\"_ _0\"></span>gains<span class=\"_ _2f2\"> </span></td><td class=\"c n x45c y28f5 w226 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(8.<span class=\"_ _6\"></span>5)</div></td><td class=\"c n x45d y28f5 w227 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(2<span class=\"_ _6\"></span>.6)</div></td><td class=\"c n x45e y28f5 w50 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x45f y28f5 w228 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x460 y28f5 w229 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>.8)</div></td><td class=\"c n x461 y28f5 w51 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(13.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w1c9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Exceptional items<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x462 y28b9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x463 y28b9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x464 y28b9 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x465 y28b9 w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(2.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x466 y28b9 w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x467 y28b9 w5b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(2.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w1cb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xpe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>/(<span class=\"_ _0\"></span>cha<span class=\"_ _6\"></span>rge)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x468 y280f wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9</div></td><td class=\"c n x469 y280f w22a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(1<span class=\"_ _6\"></span>9.<span class=\"_ _6\"></span>2)</div></td><td class=\"c n x46a y280f w22b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(1<span class=\"_ _6\"></span>8.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x46b y280f w1d3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x46c y280f w22c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">(8.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x46d y280f w78 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8.6)<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 ls12 ws16 gs53e\">1. <span class=\"_ _24\"> </span>T<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>al re<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s of t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>S bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>s ar<span class=\"_ _6\"></span>e not p<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d ab<span class=\"_ _6\"></span>ove a<span class=\"_ _6\"></span>nd ar<span class=\"_ _6\"></span>e pr<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n no<span class=\"_ _6\"></span>te 3 \u2013 di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-400": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls2d ws59 gs540\">6.<span class=\"_ _0\"></span> Operating expense<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div><div class=\"gs541\"><table class=\"s w22d hac\" id=\"_bc37c3da-b22d-405e-b247-a90f96f42fca\"><tr><td></td><td></td><td></td><td class=\"t m0 x46e h28 y28f6 ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x46f h28 y28f7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x470 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x471 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">Exceptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y28f7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x472 h28 y28f8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x473 h28 y28f8 ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td><td class=\"c x475 y28fa w22e h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">it<span class=\"_ _6\"></span>ems</div><div class=\"t m0 x474 h48 y28f9 ff56 fs23 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x24f h28 y28f8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24</td></tr><tr><td></td><td class=\"t m0 x250 h28 y28fb ff56 fs19 fc2 sc0 ls12 ws16\"> <span class=\"_ _1d2\"> </span><span class=\"ls95 wsdf\">Note<span class=\"_ _2f2\"> </span></span></td><td class=\"t m0 x476 h28 y28fb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y28fc ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _211\"> </span><span class=\"ls12 ws16\"> <span class=\"_ _9a\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y28fd w22f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd4 wsf8\">Depreciation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x478 y28fd w230 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x479 y28fd w231 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47a y28fd w232 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47b y28fd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47c y28fd w13f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28fe w233 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">Amortisation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47d y28fe w9f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47e y28fe w28 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47f y28fe w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x359 y28fe w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x28e y28fe w234 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ff w235 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment of<span class=\"_ _0\"></span> intangibles<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x480 y28ff w236 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x481 y28ff w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x482 y28ff w225 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x483 y28ff w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x484 y28ff w238 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2900 w239 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Modif<span class=\"_ _6\"></span>ication gains<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x485 y2900 w23a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x487 y2900 w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x488 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x489 y2900 w1cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2901 w1d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48a y2901 w23c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48b y2901 w23d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">68.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48c y2901 w23e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">6<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48d y2901 w23f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48e y2901 w1fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">70.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w240 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>rket<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts (exclu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g em<span class=\"_ _6\"></span>ploy<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>ts)<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x48f y2902 w241 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">62<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x490 y2902 w242 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">4<span class=\"_ _6\"></span>5.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x491 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x492 y2902 w243 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">45.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w244 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Da<span class=\"_ _6\"></span>ta a<span class=\"_ _6\"></span>nd tec<span class=\"_ _6\"></span>hno<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x493 y2860 w245 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">8.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x494 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x495 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x496 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w246 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x497 y2861 w247 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">16.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x498 y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x499 y2861 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49a y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w249 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal operating expens<span class=\"_ _0\"></span>es fr<span class=\"_ _0\"></span>om continuing operations<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x49b y2810 w24a h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>65<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49c y2810 w24b h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49d y2810 w24c h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49e y2810 w24d h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">15<span class=\"_ _6\"></span>0.7<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 ls12 ws16 gs542\">1. <span class=\"_ _24\"> </span>S<span class=\"_ _6\"></span>ee n<span class=\"_ _6\"></span>ote 4 f<span class=\"_ _6\"></span>or d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls on e<span class=\"_ _6\"></span>xce<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff5b fs3 fc2 sc0 ls2a ws39 gs544\">Auditors\u2019<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>remuneration<span class=\"_ _0\"></span><span class=\"ls12 ws16\">1<span class=\"_ _2f2\"> </span></span></div><div class=\"gs518\"><table class=\"s w24e had\" id=\"_bbbdfd3b-5ce1-49d1-ac75-40fe720cd653\"><tr><td></td><td class=\"t m0 x49f h28 y2903 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2903 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2904 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2904 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2905 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2905 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y28da ff54 fs3 fc2 sc0 lsdd ws90\">Audit<span class=\"_ _0\"></span> fees<span class=\"_ _215\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x1b9 hd y2906 ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _216\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c x1be y2833 w24f hae\"><div class=\"t m0 x1b5 hd y2907 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\">  <span class=\"ff55\">Fe<span class=\"_ _6\"></span>es p<span class=\"_ _6\"></span>ayab<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any\u2019s a<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>rs for t<span class=\"_ _6\"></span>he au<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he Pa<span class=\"_ _6\"></span>rent C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pany a<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></span></span></div><div class=\"t m0 x4a1 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">consolidated financial<span class=\"_ _0\"></span> statements<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a2 y28db w160 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a3 y28db wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y285b w250 hae\"><div class=\"t m0 x1b5 hd y2907 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\">  <span class=\"ff55\">Fe<span class=\"_ _6\"></span>es p<span class=\"_ _6\"></span>ayab<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any\u2019s a<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d it<span class=\"_ _6\"></span>s ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e st<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>uto<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y au<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></span></span></div><div class=\"t m0 x4a1 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>f subs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a2 y2908 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a4 y2908 w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285c w252 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal audit<span class=\"_ _0\"></span> fee<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a5 y285d w253 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2a ws39\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a6 y285d w83 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y2909 ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-audit service fees<span class=\"_ _218\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y290a w254 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\">  <span class=\"ff55\">A<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>t-re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed as<span class=\"_ _6\"></span>sur<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices<span class=\"_ _2f2\"> </span></span></span></div></td><td class=\"c n x335 y290a we4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a7 y290a w1e5 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e1 w255 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\"></span><span class=\"ff54\">  </span><span class=\"ls6c wsf9\">O<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r assurance ser<span class=\"_ _6\"></span>vices<span class=\"_ _2f2\"> </span></span></div></td><td class=\"c n x4a8 y28e1 w174 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls54 ws5c\">0.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a9 y28e1 we8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w256 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd1 wsf5\">T<span class=\"_ _b\"></span>otal non-audit service fees<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4aa y2810 w160 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ab y2810 wfb h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs545\">1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>F<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>are<span class=\"_ gs546\"> </span>e<span class=\"_ _6\"></span>xclu<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ve<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>v<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>-ad<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>ta<span class=\"_ _6\"></span>x<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>excl<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ive<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>ad<span class=\"_ _6\"></span>ju<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>agr<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>aud<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>\u00a3<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>l<span class=\"_ gs546\"> </span>(20<span class=\"_ _6\"></span>24:<span class=\"_ gs546\"> </span>\u00a30<span class=\"_ _6\"></span>.1<span class=\"_ gs546\"> </span>mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on).</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-484": {
   "value": "6.<span class=\"_ _0\"></span> Operating expense<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span><table class=\"s w22d hac\" id=\"_bc37c3da-b22d-405e-b247-a90f96f42fca\"><tr><td></td><td></td><td></td><td class=\"t m0 x46e h28 y28f6 ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x46f h28 y28f7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x470 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x471 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">Exceptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y28f7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x472 h28 y28f8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x473 h28 y28f8 ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td><td class=\"c x475 y28fa w22e h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">it<span class=\"_ _6\"></span>ems</div><div class=\"t m0 x474 h48 y28f9 ff56 fs23 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x24f h28 y28f8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24</td></tr><tr><td></td><td class=\"t m0 x250 h28 y28fb ff56 fs19 fc2 sc0 ls12 ws16\"> <span class=\"_ _1d2\"> </span><span class=\"ls95 wsdf\">Note<span class=\"_ _2f2\"> </span></span></td><td class=\"t m0 x476 h28 y28fb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y28fc ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _211\"> </span><span class=\"ls12 ws16\"> <span class=\"_ _9a\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y28fd w22f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd4 wsf8\">Depreciation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x478 y28fd w230 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x479 y28fd w231 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47a y28fd w232 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47b y28fd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47c y28fd w13f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28fe w233 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">Amortisation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47d y28fe w9f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47e y28fe w28 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47f y28fe w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x359 y28fe w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x28e y28fe w234 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ff w235 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment of<span class=\"_ _0\"></span> intangibles<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x480 y28ff w236 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x481 y28ff w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x482 y28ff w225 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x483 y28ff w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x484 y28ff w238 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2900 w239 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Modif<span class=\"_ _6\"></span>ication gains<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x485 y2900 w23a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x487 y2900 w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x488 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x489 y2900 w1cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2901 w1d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48a y2901 w23c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48b y2901 w23d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">68.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48c y2901 w23e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">6<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48d y2901 w23f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48e y2901 w1fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">70.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w240 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>rket<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts (exclu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g em<span class=\"_ _6\"></span>ploy<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>ts)<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x48f y2902 w241 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">62<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x490 y2902 w242 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">4<span class=\"_ _6\"></span>5.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x491 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x492 y2902 w243 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">45.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w244 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Da<span class=\"_ _6\"></span>ta a<span class=\"_ _6\"></span>nd tec<span class=\"_ _6\"></span>hno<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x493 y2860 w245 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">8.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x494 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x495 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x496 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w246 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x497 y2861 w247 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">16.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x498 y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x499 y2861 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49a y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w249 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal operating expens<span class=\"_ _0\"></span>es fr<span class=\"_ _0\"></span>om continuing operations<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x49b y2810 w24a h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>65<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49c y2810 w24b h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49d y2810 w24c h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49e y2810 w24d h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">15<span class=\"_ _6\"></span>0.7<span class=\"_ _2f2\"> </span></div></td></tr></table>1. <span class=\"_ _24\"> </span>S<span class=\"_ _6\"></span>ee n<span class=\"_ _6\"></span>ote 4 f<span class=\"_ _6\"></span>or d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls on e<span class=\"_ _6\"></span>xce<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Auditors\u2019<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>remuneration<span class=\"_ _0\"></span><span class=\"ls12 ws16\">1<span class=\"_ _2f2\"> </span></span><table class=\"s w24e had\" id=\"_bbbdfd3b-5ce1-49d1-ac75-40fe720cd653\"><tr><td></td><td class=\"t m0 x49f h28 y2903 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2903 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2904 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2904 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2905 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2905 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y28da ff54 fs3 fc2 sc0 lsdd ws90\">Audit<span class=\"_ _0\"></span> fees<span class=\"_ _215\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x1b9 hd y2906 ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _216\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c x1be y2833 w24f hae\"><div class=\"t m0 x1b5 hd y2907 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\">  <span class=\"ff55\">Fe<span class=\"_ _6\"></span>es p<span class=\"_ _6\"></span>ayab<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any\u2019s a<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>rs for t<span class=\"_ _6\"></span>he au<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he Pa<span class=\"_ _6\"></span>rent C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pany a<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></span></span></div><div class=\"t m0 x4a1 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">consolidated financial<span class=\"_ _0\"></span> statements<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a2 y28db w160 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a3 y28db wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y285b w250 hae\"><div class=\"t m0 x1b5 hd y2907 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\">  <span class=\"ff55\">Fe<span class=\"_ _6\"></span>es p<span class=\"_ _6\"></span>ayab<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any\u2019s a<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d it<span class=\"_ _6\"></span>s ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e st<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>uto<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y au<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></span></span></div><div class=\"t m0 x4a1 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>f subs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a2 y2908 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a4 y2908 w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285c w252 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal audit<span class=\"_ _0\"></span> fee<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a5 y285d w253 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2a ws39\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a6 y285d w83 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y2909 ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-audit service fees<span class=\"_ _218\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y290a w254 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\">  <span class=\"ff55\">A<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>t-re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed as<span class=\"_ _6\"></span>sur<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices<span class=\"_ _2f2\"> </span></span></span></div></td><td class=\"c n x335 y290a we4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a7 y290a w1e5 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e1 w255 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\"></span><span class=\"ff54\">  </span><span class=\"ls6c wsf9\">O<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r assurance ser<span class=\"_ _6\"></span>vices<span class=\"_ _2f2\"> </span></span></div></td><td class=\"c n x4a8 y28e1 w174 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls54 ws5c\">0.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a9 y28e1 we8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w256 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd1 wsf5\">T<span class=\"_ _b\"></span>otal non-audit service fees<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4aa y2810 w160 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ab y2810 wfb h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>F<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>are<span class=\"_ gs546\"> </span>e<span class=\"_ _6\"></span>xclu<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ve<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>v<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>-ad<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>ta<span class=\"_ _6\"></span>x<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>excl<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ive<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>ad<span class=\"_ _6\"></span>ju<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>agr<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>aud<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>\u00a3<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>l<span class=\"_ gs546\"> </span>(20<span class=\"_ _6\"></span>24:<span class=\"_ gs546\"> </span>\u00a30<span class=\"_ _6\"></span>.1<span class=\"_ gs546\"> </span>mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-434": {
   "value": "6.<span class=\"_ _0\"></span> Operating expense<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span><table class=\"s w22d hac\" id=\"_bc37c3da-b22d-405e-b247-a90f96f42fca\"><tr><td></td><td></td><td></td><td class=\"t m0 x46e h28 y28f6 ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x46f h28 y28f7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x470 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x471 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">Exceptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y28f7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x472 h28 y28f8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x473 h28 y28f8 ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td><td class=\"c x475 y28fa w22e h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">it<span class=\"_ _6\"></span>ems</div><div class=\"t m0 x474 h48 y28f9 ff56 fs23 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x24f h28 y28f8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24</td></tr><tr><td></td><td class=\"t m0 x250 h28 y28fb ff56 fs19 fc2 sc0 ls12 ws16\"> <span class=\"_ _1d2\"> </span><span class=\"ls95 wsdf\">Note<span class=\"_ _2f2\"> </span></span></td><td class=\"t m0 x476 h28 y28fb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y28fc ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _211\"> </span><span class=\"ls12 ws16\"> <span class=\"_ _9a\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y28fd w22f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd4 wsf8\">Depreciation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x478 y28fd w230 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x479 y28fd w231 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47a y28fd w232 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47b y28fd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47c y28fd w13f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28fe w233 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">Amortisation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47d y28fe w9f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47e y28fe w28 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47f y28fe w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x359 y28fe w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x28e y28fe w234 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ff w235 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment of<span class=\"_ _0\"></span> intangibles<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x480 y28ff w236 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x481 y28ff w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x482 y28ff w225 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x483 y28ff w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x484 y28ff w238 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2900 w239 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Modif<span class=\"_ _6\"></span>ication gains<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x485 y2900 w23a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x487 y2900 w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x488 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x489 y2900 w1cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2901 w1d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48a y2901 w23c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48b y2901 w23d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">68.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48c y2901 w23e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">6<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48d y2901 w23f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48e y2901 w1fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">70.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w240 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>rket<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts (exclu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g em<span class=\"_ _6\"></span>ploy<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>ts)<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x48f y2902 w241 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">62<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x490 y2902 w242 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">4<span class=\"_ _6\"></span>5.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x491 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x492 y2902 w243 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">45.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w244 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Da<span class=\"_ _6\"></span>ta a<span class=\"_ _6\"></span>nd tec<span class=\"_ _6\"></span>hno<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x493 y2860 w245 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">8.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x494 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x495 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x496 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w246 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x497 y2861 w247 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">16.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x498 y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x499 y2861 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49a y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w249 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal operating expens<span class=\"_ _0\"></span>es fr<span class=\"_ _0\"></span>om continuing operations<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x49b y2810 w24a h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>65<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49c y2810 w24b h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49d y2810 w24c h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49e y2810 w24d h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">15<span class=\"_ _6\"></span>0.7<span class=\"_ _2f2\"> </span></div></td></tr></table>1. <span class=\"_ _24\"> </span>S<span class=\"_ _6\"></span>ee n<span class=\"_ _6\"></span>ote 4 f<span class=\"_ _6\"></span>or d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls on e<span class=\"_ _6\"></span>xce<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-463": {
   "value": "<table class=\"s w22d hac\" id=\"_bc37c3da-b22d-405e-b247-a90f96f42fca\"><tr><td></td><td></td><td></td><td class=\"t m0 x46e h28 y28f6 ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x46f h28 y28f7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x470 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x471 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">Exceptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y28f7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x472 h28 y28f8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x473 h28 y28f8 ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td><td class=\"c x475 y28fa w22e h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">it<span class=\"_ _6\"></span>ems</div><div class=\"t m0 x474 h48 y28f9 ff56 fs23 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x24f h28 y28f8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24</td></tr><tr><td></td><td class=\"t m0 x250 h28 y28fb ff56 fs19 fc2 sc0 ls12 ws16\"> <span class=\"_ _1d2\"> </span><span class=\"ls95 wsdf\">Note<span class=\"_ _2f2\"> </span></span></td><td class=\"t m0 x476 h28 y28fb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y28fc ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _211\"> </span><span class=\"ls12 ws16\"> <span class=\"_ _9a\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y28fd w22f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd4 wsf8\">Depreciation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x478 y28fd w230 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x479 y28fd w231 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47a y28fd w232 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47b y28fd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47c y28fd w13f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28fe w233 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">Amortisation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47d y28fe w9f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47e y28fe w28 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47f y28fe w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x359 y28fe w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x28e y28fe w234 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ff w235 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment of<span class=\"_ _0\"></span> intangibles<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x480 y28ff w236 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x481 y28ff w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x482 y28ff w225 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x483 y28ff w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x484 y28ff w238 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2900 w239 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Modif<span class=\"_ _6\"></span>ication gains<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x485 y2900 w23a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x487 y2900 w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x488 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x489 y2900 w1cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2901 w1d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48a y2901 w23c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48b y2901 w23d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">68.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48c y2901 w23e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">6<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48d y2901 w23f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48e y2901 w1fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">70.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w240 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>rket<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts (exclu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g em<span class=\"_ _6\"></span>ploy<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>ts)<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x48f y2902 w241 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">62<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x490 y2902 w242 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">4<span class=\"_ _6\"></span>5.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x491 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x492 y2902 w243 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">45.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w244 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Da<span class=\"_ _6\"></span>ta a<span class=\"_ _6\"></span>nd tec<span class=\"_ _6\"></span>hno<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x493 y2860 w245 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">8.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x494 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x495 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x496 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w246 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x497 y2861 w247 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">16.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x498 y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x499 y2861 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49a y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w249 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal operating expens<span class=\"_ _0\"></span>es fr<span class=\"_ _0\"></span>om continuing operations<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x49b y2810 w24a h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>65<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49c y2810 w24b h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49d y2810 w24c h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49e y2810 w24d h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">15<span class=\"_ _6\"></span>0.7<span class=\"_ _2f2\"> </span></div></td></tr></table>1. <span class=\"_ _24\"> </span>S<span class=\"_ _6\"></span>ee n<span class=\"_ _6\"></span>ote 4 f<span class=\"_ _6\"></span>or d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls on e<span class=\"_ _6\"></span>xce<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-476": {
   "value": "<table class=\"s w22d hac\" id=\"_bc37c3da-b22d-405e-b247-a90f96f42fca\"><tr><td></td><td></td><td></td><td class=\"t m0 x46e h28 y28f6 ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x46f h28 y28f7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x470 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x471 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">Exceptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y28f7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x472 h28 y28f8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x473 h28 y28f8 ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td><td class=\"c x475 y28fa w22e h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">it<span class=\"_ _6\"></span>ems</div><div class=\"t m0 x474 h48 y28f9 ff56 fs23 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x24f h28 y28f8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24</td></tr><tr><td></td><td class=\"t m0 x250 h28 y28fb ff56 fs19 fc2 sc0 ls12 ws16\"> <span class=\"_ _1d2\"> </span><span class=\"ls95 wsdf\">Note<span class=\"_ _2f2\"> </span></span></td><td class=\"t m0 x476 h28 y28fb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y28fc ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _211\"> </span><span class=\"ls12 ws16\"> <span class=\"_ _9a\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y28fd w22f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd4 wsf8\">Depreciation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x478 y28fd w230 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x479 y28fd w231 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47a y28fd w232 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47b y28fd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47c y28fd w13f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28fe w233 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">Amortisation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47d y28fe w9f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47e y28fe w28 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47f y28fe w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x359 y28fe w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x28e y28fe w234 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ff w235 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment of<span class=\"_ _0\"></span> intangibles<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x480 y28ff w236 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x481 y28ff w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x482 y28ff w225 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x483 y28ff w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x484 y28ff w238 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2900 w239 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Modif<span class=\"_ _6\"></span>ication gains<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x485 y2900 w23a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x487 y2900 w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x488 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x489 y2900 w1cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2901 w1d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48a y2901 w23c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48b y2901 w23d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">68.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48c y2901 w23e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">6<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48d y2901 w23f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48e y2901 w1fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">70.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w240 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>rket<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts (exclu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g em<span class=\"_ _6\"></span>ploy<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>ts)<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x48f y2902 w241 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">62<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x490 y2902 w242 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">4<span class=\"_ _6\"></span>5.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x491 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x492 y2902 w243 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">45.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w244 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Da<span class=\"_ _6\"></span>ta a<span class=\"_ _6\"></span>nd tec<span class=\"_ _6\"></span>hno<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x493 y2860 w245 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">8.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x494 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x495 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x496 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w246 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x497 y2861 w247 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">16.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x498 y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x499 y2861 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49a y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w249 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal operating expens<span class=\"_ _0\"></span>es fr<span class=\"_ _0\"></span>om continuing operations<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x49b y2810 w24a h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>65<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49c y2810 w24b h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49d y2810 w24c h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49e y2810 w24d h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">15<span class=\"_ _6\"></span>0.7<span class=\"_ _2f2\"> </span></div></td></tr></table>1. <span class=\"_ _24\"> </span>S<span class=\"_ _6\"></span>ee n<span class=\"_ _6\"></span>ote 4 f<span class=\"_ _6\"></span>or d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls on e<span class=\"_ _6\"></span>xce<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-480": {
   "value": "<table class=\"s w22d hac\" id=\"_bc37c3da-b22d-405e-b247-a90f96f42fca\"><tr><td></td><td></td><td></td><td class=\"t m0 x46e h28 y28f6 ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x46f h28 y28f7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x470 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x471 h28 y28f7 ff56 fs19 fc2 sc0 lsc9 wsed\">Exceptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y28f7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x472 h28 y28f8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x473 h28 y28f8 ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td><td class=\"c x475 y28fa w22e h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">it<span class=\"_ _6\"></span>ems</div><div class=\"t m0 x474 h48 y28f9 ff56 fs23 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x24f h28 y28f8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24</td></tr><tr><td></td><td class=\"t m0 x250 h28 y28fb ff56 fs19 fc2 sc0 ls12 ws16\"> <span class=\"_ _1d2\"> </span><span class=\"ls95 wsdf\">Note<span class=\"_ _2f2\"> </span></span></td><td class=\"t m0 x476 h28 y28fb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y28fb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y28fc ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _211\"> </span><span class=\"ls12 ws16\"> <span class=\"_ _9a\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y28fd w22f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd4 wsf8\">Depreciation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x478 y28fd w230 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x479 y28fd w231 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47a y28fd w232 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47b y28fd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47c y28fd w13f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28fe w233 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">Amortisation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47d y28fe w9f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47e y28fe w28 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47f y28fe w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x359 y28fe w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x28e y28fe w234 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ff w235 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment of<span class=\"_ _0\"></span> intangibles<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x480 y28ff w236 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 10<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x481 y28ff w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x482 y28ff w225 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x483 y28ff w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x484 y28ff w238 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2900 w239 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Modif<span class=\"_ _6\"></span>ication gains<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x485 y2900 w23a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x487 y2900 w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x488 y2900 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x489 y2900 w1cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2901 w1d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48a y2901 w23c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4, 7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48b y2901 w23d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">68.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48c y2901 w23e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">6<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48d y2901 w23f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x48e y2901 w1fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">70.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w240 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>rket<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ts (exclu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g em<span class=\"_ _6\"></span>ploy<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>ts)<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x48f y2902 w241 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">62<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x490 y2902 w242 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">4<span class=\"_ _6\"></span>5.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x491 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x492 y2902 w243 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">45.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w244 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Da<span class=\"_ _6\"></span>ta a<span class=\"_ _6\"></span>nd tec<span class=\"_ _6\"></span>hno<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x493 y2860 w245 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">8.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x494 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x495 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x496 y2860 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w246 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x497 y2861 w247 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">16.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x498 y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x499 y2861 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49a y2861 w248 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w249 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal operating expens<span class=\"_ _0\"></span>es fr<span class=\"_ _0\"></span>om continuing operations<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x49b y2810 w24a h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>65<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49c y2810 w24b h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49d y2810 w24c h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x49e y2810 w24d h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">15<span class=\"_ _6\"></span>0.7<span class=\"_ _2f2\"> </span></div></td></tr></table>1. <span class=\"_ _24\"> </span>S<span class=\"_ _6\"></span>ee n<span class=\"_ _6\"></span>ote 4 f<span class=\"_ _6\"></span>or d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls on e<span class=\"_ _6\"></span>xce<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-435": {
   "value": "Auditors\u2019<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>remuneration<span class=\"_ _0\"></span><span class=\"ls12 ws16\">1<span class=\"_ _2f2\"> </span></span><table class=\"s w24e had\" id=\"_bbbdfd3b-5ce1-49d1-ac75-40fe720cd653\"><tr><td></td><td class=\"t m0 x49f h28 y2903 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2903 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2904 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2904 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2905 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2905 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y28da ff54 fs3 fc2 sc0 lsdd ws90\">Audit<span class=\"_ _0\"></span> fees<span class=\"_ _215\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x1b9 hd y2906 ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _216\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c x1be y2833 w24f hae\"><div class=\"t m0 x1b5 hd y2907 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\">  <span class=\"ff55\">Fe<span class=\"_ _6\"></span>es p<span class=\"_ _6\"></span>ayab<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any\u2019s a<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>rs for t<span class=\"_ _6\"></span>he au<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he Pa<span class=\"_ _6\"></span>rent C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pany a<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></span></span></div><div class=\"t m0 x4a1 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">consolidated financial<span class=\"_ _0\"></span> statements<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a2 y28db w160 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a3 y28db wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y285b w250 hae\"><div class=\"t m0 x1b5 hd y2907 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\">  <span class=\"ff55\">Fe<span class=\"_ _6\"></span>es p<span class=\"_ _6\"></span>ayab<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any\u2019s a<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d it<span class=\"_ _6\"></span>s ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e st<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>uto<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y au<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></span></span></div><div class=\"t m0 x4a1 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>f subs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a2 y2908 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a4 y2908 w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285c w252 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal audit<span class=\"_ _0\"></span> fee<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a5 y285d w253 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2a ws39\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a6 y285d w83 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y2909 ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-audit service fees<span class=\"_ _218\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y290a w254 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\">  <span class=\"ff55\">A<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>t-re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed as<span class=\"_ _6\"></span>sur<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices<span class=\"_ _2f2\"> </span></span></span></div></td><td class=\"c n x335 y290a we4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a7 y290a w1e5 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e1 w255 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2013<span class=\"ff54\"></span><span class=\"ff54\">  </span><span class=\"ls6c wsf9\">O<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r assurance ser<span class=\"_ _6\"></span>vices<span class=\"_ _2f2\"> </span></span></div></td><td class=\"c n x4a8 y28e1 w174 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls54 ws5c\">0.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a9 y28e1 we8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w256 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd1 wsf5\">T<span class=\"_ _b\"></span>otal non-audit service fees<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4aa y2810 w160 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ab y2810 wfb h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>F<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>are<span class=\"_ gs546\"> </span>e<span class=\"_ _6\"></span>xclu<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ve<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>v<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>-ad<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>ta<span class=\"_ _6\"></span>x<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>excl<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ive<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>ad<span class=\"_ _6\"></span>ju<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>agr<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>aud<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>\u00a3<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>l<span class=\"_ gs546\"> </span>(20<span class=\"_ _6\"></span>24:<span class=\"_ gs546\"> </span>\u00a30<span class=\"_ _6\"></span>.1<span class=\"_ gs546\"> </span>mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-401": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls2b ws33 gs548\">7<span class=\"_ _b\"></span>.<span class=\"_ _0\"></span> Employ<span class=\"_ _0\"></span>ees<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs549\">The ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e mon<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ly nu<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r of em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyees (i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>ng D<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>rs) dur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar was: </div><div class=\"gs54a\"><table class=\"s w257 haf\" id=\"_bab12095-a2a2-4216-b904-6df10f1eb35c\"><tr><td></td><td class=\"t m0 x3a9 h28 y290b ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y290b ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x37c h28 y290c ff53 fs19 fc3 sc0 lsca wsee\">Number<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4ac h28 y290c ff55 fs19 fc2 sc0 lsc9 wsed\">Number<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y290d ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _216\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y290e w258 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ad y290e w259 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsdd ws90\">600<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ae y290e w25a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls77 ws7c\">628<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y290f w25b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">Fle<span class=\"_ _0\"></span>xiPay<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4af y290f w25c h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd1 wsf5\">83<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4b0 y290f w25d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">88<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28c7 w25e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Ot<span class=\"_ _6\"></span>her<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4b1 y28c7 w25f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4b2 y28c7 w3c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2910 w260 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">T<span class=\"_ _b\"></span>otal continuing operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4b3 y2911 w261 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lsd4 wsf8\">685<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4b4 y2911 w262 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">721<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2913 w263 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">Discontinued operations</div><div class=\"t m0 x4b5 h49 y2912 ff54 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x1be y2914 w264 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">US<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4b6 y2914 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4b7 y2914 w265 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">106<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w266 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal dis<span class=\"_ _0\"></span>continued<span class=\"_ _0\"></span> operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4b8 y28e1 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4b9 y28e1 w267 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls13e ws12e\">106<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w268 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsec ws111\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ba y2810 w269 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lsd4 wsf8\">685<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4bb y2810 w26a h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls2b ws66\">827<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs54b\">In a<span class=\"_ _6\"></span>ddi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion t<span class=\"_ _6\"></span>o the e<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>loyee<span class=\"_ _6\"></span>s above, t<span class=\"_ _6\"></span>he aver<span class=\"_ _6\"></span>age m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hl<span class=\"_ _6\"></span>y num<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r of con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tors d<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r was 5<span class=\"_ _6\"></span>4 (202<span class=\"_ _0\"></span>4: 80), of wh<span class=\"_ _6\"></span>ich ni<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs54c\">(202<span class=\"_ _0\"></span>4: 13) rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e US</div><div class=\"t m0 h3c ff56 fs21 fc2 sc0 ls12 ws16 gs54d\">1<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs54e\">.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs54f\">1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>Av<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>mon<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ly<span class=\"_ gs546\"> </span>n<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>rs<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>re<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>cul<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>ove<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>12<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ths<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>nd<span class=\"_ gs546\"> </span>f<span class=\"_ _6\"></span>or<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>he<span class=\"_ gs546\"> </span>20<span class=\"_ _6\"></span>24<span class=\"_ gs546\"> </span>US<span class=\"_ gs546\"> </span>d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ gs546\"> </span>i<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>de<span class=\"_ gs546\"> </span>s<span class=\"_ _6\"></span>ix<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ths<span class=\"_ gs546\"> </span>f<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>sa<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>US<span class=\"_ gs546\"> </span>bu<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>ss<span class=\"_ gs546\"> </span></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 ls12 ws16 gs550\">wh<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>e the e<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>yee n<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r was n<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs551\">Emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>\u2019 emo<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts) du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year we<span class=\"_ _6\"></span>re: </div><div class=\"gs552\"><table class=\"s w26b hb0\" id=\"_5490606c-1750-4a3a-996e-740e0f4932f2\"><tr><td></td><td class=\"t m0 x4bc h28 y2915 ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er </td><td></td><td class=\"t m0 x4bd h28 y2915 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x4be h28 y2916 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x372 h28 y2916 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x3a6 h28 y2917 ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x3a7 h28 y2918 ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x373 h28 y2918 ff56 fs19 fc2 sc0 lsc9 wsed\">Exceptional </td><td></td></tr><tr><td></td><td class=\"t m0 x4be h28 y2919 ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4bf h28 y2919 ff55 fs19 fc2 sc0 ls12 ws16\">it<span class=\"_ _6\"></span>ems\u200a</td><td class=\"c x4c1 y291a w26c h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">it<span class=\"_ _6\"></span>ems</div><div class=\"t m0 x4c0 h48 y28f9 ff56 fs23 fc2 sc0 ls12 ws16\">\u00b9<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x2a6 h28 y2919 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y291b ff56 fs3 fc2 sc0 ls3d ws47\">Continuing operations<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4c2 h28 y291c ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _21\"> </span><span class=\"ff56 fc2 ls12 ws16\"> </span></td><td class=\"t m0 x1ad h28 y291c ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y291c ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y291c ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y291d w26d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Wages and<span class=\"_ _0\"></span> salaries<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c3 y291d w26e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">5<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c4 y291d w26f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2f ws37\">56.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c5 y291d w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c6 y291d w270 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2f ws37\">5<span class=\"_ _6\"></span>6.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y291e w271 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">So<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l sec<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c7 y291e w272 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c8 y291e w273 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">6.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c9 y291e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ca y291e w273 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">6.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y291f w274 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Pens<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4cb y291f w275 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4cc y291f w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b0 y291f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fe y291f w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2920 w276 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Share-based pa<span class=\"_ _0\"></span>yments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4cd y2920 w277 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">5.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ce y2920 w278 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4cf y2920 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d0 y2920 w279 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2921 w27a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">Except<span class=\"_ _6\"></span>ional costs<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d1 y2921 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d2 y2921 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d3 y2921 w23f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d4 y2921 w27b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x4d5 y2922 w27c h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">72.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d6 y2922 w27d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">72.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d7 y2922 w27e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d8 y2922 w27f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsed ws112\">74<span class=\"_ _5\"></span>.<span class=\"_ _5\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2923 w280 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Contractor costs<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d9 y2923 w281 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">4.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4da y2923 w282 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4db y2923 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4dc y2923 w283 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2924 w284 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Less: c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d devel<span class=\"_ _6\"></span>opm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4dd y2924 w285 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls81 wsad\">(8.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4de y2924 w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x359 y2924 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4df y2924 w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.0)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w286 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls12 ws16\">Emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s ne<span class=\"_ _6\"></span>t of ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed d<span class=\"_ _6\"></span>evelo<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e0 y280f w287 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff53 fs3 fc3 sc0 ls25 ws7d\">6<span class=\"_ _6\"></span>8.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e1 y280f w288 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 lse4 ws10b\">6<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e2 y280f w27e hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e3 y280f w289 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff55 fs3 fc2 sc0 ls69 wsb9\">70.4<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 ls12 ws16 gs553\">1. <span class=\"_ _24\"> </span>S<span class=\"_ _6\"></span>ee n<span class=\"_ _6\"></span>ote 4 f<span class=\"_ _6\"></span>or d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls of e<span class=\"_ _6\"></span>xcep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ms.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-402": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls3 ws3 gs555\">8. I<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ta<span class=\"_ _6\"></span>x (cre<span class=\"_ _6\"></span>dit<span class=\"_ _6\"></span>)/<span class=\"_ _0\"></span>cha<span class=\"_ _6\"></span>rg<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs556\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to a<span class=\"_ _6\"></span>ll t<span class=\"_ _6\"></span>axes ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e to a co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l com<span class=\"_ _6\"></span>pany i<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s cou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s of op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. T<span class=\"_ _6\"></span>he UK (l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es)/profi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs557\">Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny are su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to U<span class=\"_ _6\"></span>K in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x at t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nda<span class=\"_ _6\"></span>rd cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n ta<span class=\"_ _6\"></span>x ra<span class=\"_ _6\"></span>te of 25% (202<span class=\"_ _0\"></span>4: 25<span class=\"_ _0\"></span>%<span class=\"_ _0\"></span>)<span class=\"_ _0\"></span>. </div><div class=\"gs558\"><table class=\"s w9d hb2\" id=\"_b9a0b595-e7a5-4e43-a55f-04efbaba743d\"><tr><td></td><td class=\"t m0 x24c h28 y2926 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2926 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2927 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2927 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2928 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2928 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y2929 ff54 fs3 fc2 sc0 ls12 ws16\">Cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>ax<span class=\"_ _224\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y292a ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _216\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y292b ff54 fs3 fc2 sc0 lse2 ws94\">UK<span class=\"_ _225\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y292c w28a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x on p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>/(loss<span class=\"_ _6\"></span>es) for th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e4 y292c w28b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e5 y292c w161 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x4e6 y292d w160 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e7 y292d w161 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y292e w28c h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>o<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l cur<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>nt ta<span class=\"_ _6\"></span>x ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e fro<span class=\"_ _6\"></span>m co<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e8 y292f w160 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e9 y292f w161 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2930 ff54 fs3 fc2 sc0 lsd4 wsf8\">Discontinued operations<span class=\"_ _227\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y2931 ff54 fs3 fc2 sc0 ls3d ws47\">US<span class=\"_ _226\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2932 w28d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x on (l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s)<span class=\"_ _0\"></span>/prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts for t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2932 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4eb y2932 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2933 w28e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Adjustment in r<span class=\"_ _0\"></span>espect of<span class=\"_ _0\"></span> prior year<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y2933 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ed y2933 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2934 w28f h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>o<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l cur<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>nt ta<span class=\"_ _6\"></span>x ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e fro<span class=\"_ _6\"></span>m di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ee y2935 w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ef y2935 we8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28eb w290 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal current tax charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f0 y2936 w28b h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y2936 wa8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2937 ff54 fs3 fc2 sc0 lsd4 wsf8\">Deferred tax<span class=\"_ _22b\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y2938 ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _216\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y2939 ff54 fs3 fc2 sc0 lse2 ws94\">UK<span class=\"_ _225\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y28de w291 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x on p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s/(loss<span class=\"_ _6\"></span>es) for t<span class=\"_ _6\"></span>he year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f1 y28de w292 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(26.1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f2 y28de w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x4f3 y293a w293 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f4 y293a w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w294 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax c<span class=\"_ _0\"></span>redit f<span class=\"_ _0\"></span>rom<span class=\"_ _0\"></span> continuing<span class=\"_ _0\"></span> operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f5 y290a w293 h97\"><div class=\"t m0 x1b5 hd y27c8 ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f6 y290a w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w295 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax c<span class=\"_ _0\"></span>redit<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f7 y293c w293 h97\"><div class=\"t m0 x1b5 hd y27c8 ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f8 y293c w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w296 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal tax (credit)<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f9 y2810 w297 h97\"><div class=\"t m0 x1b5 hd y27c8 ff60 fs3 fc3 sc0 ls69 wsb9\">(25.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fa y2810 w1df h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs559\">The a<span class=\"_ _6\"></span>bove cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x cha<span class=\"_ _6\"></span>rge rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s the ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>ax on t<span class=\"_ _6\"></span>he R<span class=\"_ _6\"></span>ese<span class=\"_ _6\"></span>arch an<span class=\"_ _6\"></span>d Deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt E<span class=\"_ _6\"></span>xp<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ture C<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it (\u201c<span class=\"_ _6\"></span>RD<span class=\"_ _6\"></span>EC<span class=\"_ _6\"></span>\u201d) </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs55a\">rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e for 2025.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs55b\">In t<span class=\"_ _6\"></span>he pr<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>r year<span class=\"_ _0\"></span>, th<span class=\"_ _6\"></span>e cur<span class=\"_ _6\"></span>rent t<span class=\"_ _6\"></span>ax ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he ta<span class=\"_ _6\"></span>x li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y on th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up\u2019s t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>ble p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>, inc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g US st<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>axe<span class=\"_ _6\"></span>s from 1 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs55c\">Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4 to the d<span class=\"_ _6\"></span>ate of di<span class=\"_ _6\"></span>sp<span class=\"_ _6\"></span>osa<span class=\"_ _6\"></span>l of th<span class=\"_ _6\"></span>e US bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss, a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t of ta<span class=\"_ _6\"></span>x ded<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he RD<span class=\"_ _6\"></span>EC rec<span class=\"_ _6\"></span>eiva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e for 202<span class=\"_ _0\"></span>4.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs55d\">Bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span>\u2019s curre<span class=\"_ _6\"></span>nt f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al pro<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s, th<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate of t<span class=\"_ _6\"></span>he de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g in th<span class=\"_ _6\"></span>e UK </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs55e\">was \u00a323.6 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 (31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _0\"></span>4: \u00a3nil). The de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he R<span class=\"_ _6\"></span>DEC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs55f\">was \u00a32.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n at 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 (<span class=\"_ _0\"></span>31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _0\"></span>4: \u00a3nil). </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs560\">The U<span class=\"_ _6\"></span>S bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024 is rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>s disc<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs562\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p (credi<span class=\"_ _6\"></span>t)/cha<span class=\"_ _6\"></span>rge for t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar c<span class=\"_ _6\"></span>an be re<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>ed to t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it b<span class=\"_ _6\"></span>efore t<span class=\"_ _6\"></span>ax s<span class=\"_ _6\"></span>hown p<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>date<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs563\">com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e as fol<span class=\"_ _6\"></span>lows.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls64 ws94 gs564\">Fac<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the t<span class=\"_ _6\"></span>ax (cr<span class=\"_ _6\"></span>edi<span class=\"_ _6\"></span>t)/cha<span class=\"_ _6\"></span>rg<span class=\"_ _6\"></span>e for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div><div class=\"gs565\"><table class=\"s w298 hb3\" id=\"_3788db3a-00c8-4c9f-bf65-4153c9768c81\"><tr><td></td><td class=\"t m0 x49f h28 y293d ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y293d ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y293e ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y293e ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y293f ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y293f ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2940 w299 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it b<span class=\"_ _6\"></span>efore t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fb y2940 w222 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">20.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fc y2940 w29a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2941 w29b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>a<span class=\"_ _6\"></span>xat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n on p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t at 25.0% (2024: 25.0%<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fd y2941 w27 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fe y2941 w27e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2942 ff55 fs3 fc2 sc0 ls12 ws16\">Ef<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f:<span class=\"_ _21a\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2943 w29c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Res<span class=\"_ _6\"></span>earc<span class=\"_ _6\"></span>h and d<span class=\"_ _6\"></span>evelo<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2943 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fc y2943 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2944 w29d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">For<span class=\"_ _0\"></span>eign tax rate<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ff y2944 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x500 y2944 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2945 w29e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">Non-taxable/<span class=\"_ _0\"></span>non-deductible e<span class=\"_ _0\"></span>xpenses<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b6 y2945 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x501 y2945 w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2946 w29f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Unrecognis<span class=\"_ _0\"></span>ed timing differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x502 y2946 w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x503 y2946 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2808 w2a1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Unrecognised<span class=\"_ _0\"></span> tax losses acc<span class=\"_ _0\"></span>umulated<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4aa y2808 w160 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x504 y2808 w2a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2947 w2a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x505 y2947 w2a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x506 y2947 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28bd w2a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Patent bo<span class=\"_ _0\"></span>x<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x507 y28bd w2a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(5.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x508 y28bd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293a w2a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y293a w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x509 y293a w2a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w296 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal tax (credit)<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f9 y290a w297 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls69 wsb9\">(25.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fa y290a w1df h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w2a9 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal tax<span class=\"_ _0\"></span> (<span class=\"_ _0\"></span>credit)<span class=\"_ _b\"></span>/charge<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> cont<span class=\"_ _0\"></span>inuing operat<span class=\"_ _0\"></span>ions<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50a y293c w2aa h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls69 wsb9\">(25.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50b y293c w2ab h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2ac h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal tax charge from discontinued operat<span class=\"_ _6\"></span>ions<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x25a y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50c y2810 we8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs566\">The<span class=\"_ _6\"></span>re was n<span class=\"_ _6\"></span>o ta<span class=\"_ _6\"></span>x cha<span class=\"_ _6\"></span>rge/(cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>) in t<span class=\"_ _6\"></span>he cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t or pr<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>r year re<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d to exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s on t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sla<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs567\">in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e or t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>cycli<span class=\"_ _6\"></span>ng of t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e in<span class=\"_ _6\"></span>to prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs568\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is ta<span class=\"_ _6\"></span>xed a<span class=\"_ _6\"></span>t di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nt ra<span class=\"_ _6\"></span>tes de<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e coun<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch t<span class=\"_ _6\"></span>he prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>e. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs569\">The key ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x ra<span class=\"_ _6\"></span>te for 2025 inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he UK a<span class=\"_ _6\"></span>t 25%. For th<span class=\"_ _6\"></span>e pr<span class=\"_ _6\"></span>ior ye<span class=\"_ _6\"></span>ar<span class=\"_ _0\"></span>, th<span class=\"_ _6\"></span>e key app<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>ax ra<span class=\"_ _6\"></span>tes in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K at 25% </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs56a\">an<span class=\"_ _6\"></span>d the U<span class=\"_ _6\"></span>S 21%. The ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>ive t<span class=\"_ _6\"></span>ax r<span class=\"_ _6\"></span>ate for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r was -<span class=\"_ _0\"></span>126.45% (202<span class=\"_ _0\"></span>4: 4.87%)<span class=\"_ _0\"></span>. </div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls46 ws36 gs56b\">Pa<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ox<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs56c\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>d to reg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ter a p<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he P<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice in 2022, i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g mo<span class=\"_ _6\"></span>del o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Glo<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>l Pla<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs56d\">for O<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ions<span class=\"_ _6\"></span>. Thi<span class=\"_ _6\"></span>s pate<span class=\"_ _6\"></span>nt wa<span class=\"_ _6\"></span>s gra<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d in Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y 2025, and t<span class=\"_ _6\"></span>he T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an, an<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>an i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me s<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>ams of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs56e\">bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess s<span class=\"_ _6\"></span>hou<span class=\"_ _6\"></span>ld qu<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r pate<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ox tre<span class=\"_ _6\"></span>atm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t for UK c<span class=\"_ _6\"></span>orp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>. Thi<span class=\"_ _6\"></span>s mea<span class=\"_ _6\"></span>ns th<span class=\"_ _6\"></span>at p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng to t<span class=\"_ _6\"></span>he pa<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>ted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs56f\">tec<span class=\"_ _6\"></span>hno<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy wi<span class=\"_ _6\"></span>ll be s<span class=\"_ _6\"></span>ubj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to co<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ora<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>ax at 1<span class=\"_ _6\"></span>0% ra<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>ate of 25%. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs570\">Thi<span class=\"_ _6\"></span>s mec<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ism wo<span class=\"_ _6\"></span>rks by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>vin<span class=\"_ _6\"></span>g ex<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>a ta<span class=\"_ _6\"></span>x de<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s aga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>ble p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to a p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs571\">all<span class=\"_ _6\"></span>oc<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e pa<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>. As 2025 is t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>irs<span class=\"_ _6\"></span>t yea<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e pa<span class=\"_ _6\"></span>tent i<span class=\"_ _6\"></span>s reg<span class=\"_ _6\"></span>iste<span class=\"_ _6\"></span>red, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l also b<span class=\"_ _6\"></span>e ab<span class=\"_ _6\"></span>le to cl<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>m pate<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ox </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs572\">de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e 2025 cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n ta<span class=\"_ _6\"></span>x retu<span class=\"_ _6\"></span>rn fo<span class=\"_ _6\"></span>r 2023 and 202<span class=\"_ _0\"></span>4, as wel<span class=\"_ _6\"></span>l as for 2025. Th<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>edu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n in 2025 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs573\">(for t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e year<span class=\"_ _6\"></span>s) is \u00a35.3 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (2024: \u00a3ni<span class=\"_ _6\"></span>l)<span class=\"_ _0\"></span>. From 2026, the G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l annu<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly rec<span class=\"_ _6\"></span>eive o<span class=\"_ _6\"></span>ne year<span class=\"_ _6\"></span>\u2019s wo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h of de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls64 ws94 gs574\">De<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div><div class=\"gs575\"><table class=\"s w24e hb4\" id=\"_d65e5aab-50fe-4f02-81db-fc9330ff36fb\"><tr><td></td><td class=\"t m0 x49f h28 y2948 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2948 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2949 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2949 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y294a ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y294a ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2860 w2ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s (UK<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50d y2860 w2ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">23<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x399 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w2af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50e y2861 wd4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50f y2861 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2b0 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">Recognised<span class=\"_ _0\"></span> def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x510 y2810 w16d h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x511 y2810 w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs576\">A defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et of \u00a326.1 mill<span class=\"_ _6\"></span>ion h<span class=\"_ _6\"></span>as b<span class=\"_ _6\"></span>een re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed, o<span class=\"_ _6\"></span>f whi<span class=\"_ _6\"></span>ch \u00a323.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on re<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e brou<span class=\"_ _6\"></span>ght fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ses an<span class=\"_ _6\"></span>d \u00a32.5 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs577\">mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>ates to R<span class=\"_ _6\"></span>DEC S<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>p 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs578\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has un<span class=\"_ _6\"></span>use<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x lo<span class=\"_ _6\"></span>sses o<span class=\"_ _6\"></span>f \u00a3128.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a3125.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) tha<span class=\"_ _6\"></span>t are avai<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le fo<span class=\"_ _6\"></span>r of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>et a<span class=\"_ _6\"></span>gai<span class=\"_ _6\"></span>nst f<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ture t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs579\">an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>re is no ex<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y date fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e unu<span class=\"_ _6\"></span>sed p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s. Re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>set o<span class=\"_ _6\"></span>n lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s is de<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nt on t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tenc<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs57a\">of fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>ble p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e com<span class=\"_ _6\"></span>pany h<span class=\"_ _6\"></span>as ma<span class=\"_ _6\"></span>de t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts in 2025, b<span class=\"_ _6\"></span>efore p<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t box d<span class=\"_ _6\"></span>edu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns.  I<span class=\"_ _6\"></span>t is ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs57b\">Gro<span class=\"_ _6\"></span>up wi<span class=\"_ _6\"></span>ll co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>e to make p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re and s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rri<span class=\"_ _6\"></span>ed fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es for t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>irs<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>ime i<span class=\"_ _6\"></span>n 2026. The \u00a323.6 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs57c\">mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to \u00a394.2 m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs57d\">The \u00a3<span class=\"_ _6\"></span>23.6 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nts a re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion of c73% of t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd los<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls81 wsad gs57e\">posi<span class=\"_ _6\"></span>tion. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs580\">The j<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons us<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e defer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t are di<span class=\"_ _6\"></span>scl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in no<span class=\"_ _6\"></span>te 2. It i<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs581\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t \u00a33.9 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e defe<span class=\"_ _6\"></span>rred t<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>x asse<span class=\"_ _6\"></span>t in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to los<span class=\"_ _6\"></span>ses w<span class=\"_ _6\"></span>ill b<span class=\"_ _6\"></span>e u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he nex<span class=\"_ _5\"></span>t 12 mont<span class=\"_ _6\"></span>hs an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs582\">rem<span class=\"_ _6\"></span>aini<span class=\"_ _6\"></span>ng \u00a3<span class=\"_ _6\"></span>19.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t wil<span class=\"_ _6\"></span>l be rec<span class=\"_ _6\"></span>overed a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter 12 m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs583\">A defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et of \u00a32.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s. I<span class=\"_ _6\"></span>t is exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t all of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs584\">in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to th<span class=\"_ _6\"></span>e RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts w<span class=\"_ _6\"></span>ill b<span class=\"_ _6\"></span>e ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he nex<span class=\"_ _6\"></span>t 12 m<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ths.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs585\">Unrecognis<span class=\"_ _0\"></span>ed def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax<span class=\"_ _2f2\"> </span></div><div class=\"gs586\"><table class=\"s w9d hb5\" id=\"_8a106bed-0eae-4010-bdfa-567c997e6f25\"><tr><td></td><td class=\"t m0 x24c h28 y294b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y294b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y294c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y294c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y294d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y294d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2900 w1e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prop<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x502 y2900 w2b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">8.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a7 y2900 w2b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">6.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2901 w2b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x512 y2901 w2b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">34.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x513 y2901 w2b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">125.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w2b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d sto<span class=\"_ _6\"></span>ck o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ions<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x514 y2902 w2b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">22<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x515 y2902 w2b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">22.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w2af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x516 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x517 y2860 w2b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">8<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w25e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Ot<span class=\"_ _6\"></span>her<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x518 y2861 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x519 y2861 w1d3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y280f w2ba h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">Unrecognis<span class=\"_ _0\"></span>ed def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax</div><div class=\"t m0 x51a h49 y27bd ff54 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x51b y294e w2bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">66.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x51c y294e w2bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">162.6<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 ls12 ws16 gs587\">1.  <span class=\"_ _5\"> </span>B<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>s pre<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>bo<span class=\"_ _6\"></span>ve are g<span class=\"_ _6\"></span>ro<span class=\"_ _6\"></span>ss t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ces a<span class=\"_ _6\"></span>nd a<span class=\"_ _6\"></span>re n<span class=\"_ _6\"></span>ot ta<span class=\"_ _6\"></span>x ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs588\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has an u<span class=\"_ _6\"></span>nre<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x as<span class=\"_ _6\"></span>set va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of \u00a31<span class=\"_ _6\"></span>6.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a340.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. This a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ises \u00a3<span class=\"_ _6\"></span>8.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs589\">(202<span class=\"_ _0\"></span>4: \u00a331<span class=\"_ _6\"></span>.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) for c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>, \u00a35.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a35.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) of de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons d<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d \u00a32.3 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs58a\">mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>.8 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) of ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t te<span class=\"_ _6\"></span>rm t<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ference<span class=\"_ _6\"></span>s. In t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>or yea<span class=\"_ _6\"></span>r the<span class=\"_ _6\"></span>re was \u00a32.0 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f unre<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs58b\">defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>ets i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to R<span class=\"_ _6\"></span>DEC S<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>p 2 cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts wh<span class=\"_ _6\"></span>ich w<span class=\"_ _6\"></span>as fu<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in 2025. Th<span class=\"_ _6\"></span>ere is n<span class=\"_ _6\"></span>o exp<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>y da<span class=\"_ _6\"></span>te for t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs58c\">un<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-464": {
   "value": "8. I<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ta<span class=\"_ _6\"></span>x (cre<span class=\"_ _6\"></span>dit<span class=\"_ _6\"></span>)/<span class=\"_ _0\"></span>cha<span class=\"_ _6\"></span>rg<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to a<span class=\"_ _6\"></span>ll t<span class=\"_ _6\"></span>axes ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e to a co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l com<span class=\"_ _6\"></span>pany i<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s cou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s of op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. T<span class=\"_ _6\"></span>he UK (l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es)/profi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny are su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to U<span class=\"_ _6\"></span>K in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x at t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nda<span class=\"_ _6\"></span>rd cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n ta<span class=\"_ _6\"></span>x ra<span class=\"_ _6\"></span>te of 25% (202<span class=\"_ _0\"></span>4: 25<span class=\"_ _0\"></span>%<span class=\"_ _0\"></span>)<span class=\"_ _0\"></span>. <table class=\"s w9d hb2\" id=\"_b9a0b595-e7a5-4e43-a55f-04efbaba743d\"><tr><td></td><td class=\"t m0 x24c h28 y2926 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2926 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2927 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2927 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2928 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2928 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y2929 ff54 fs3 fc2 sc0 ls12 ws16\">Cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>ax<span class=\"_ _224\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y292a ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _216\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y292b ff54 fs3 fc2 sc0 lse2 ws94\">UK<span class=\"_ _225\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y292c w28a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x on p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>/(loss<span class=\"_ _6\"></span>es) for th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e4 y292c w28b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e5 y292c w161 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x4e6 y292d w160 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e7 y292d w161 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y292e w28c h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>o<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l cur<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>nt ta<span class=\"_ _6\"></span>x ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e fro<span class=\"_ _6\"></span>m co<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e8 y292f w160 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e9 y292f w161 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2930 ff54 fs3 fc2 sc0 lsd4 wsf8\">Discontinued operations<span class=\"_ _227\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y2931 ff54 fs3 fc2 sc0 ls3d ws47\">US<span class=\"_ _226\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2932 w28d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x on (l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s)<span class=\"_ _0\"></span>/prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts for t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2932 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4eb y2932 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2933 w28e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Adjustment in r<span class=\"_ _0\"></span>espect of<span class=\"_ _0\"></span> prior year<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y2933 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ed y2933 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2934 w28f h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>o<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l cur<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>nt ta<span class=\"_ _6\"></span>x ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e fro<span class=\"_ _6\"></span>m di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ee y2935 w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ef y2935 we8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28eb w290 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal current tax charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f0 y2936 w28b h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y2936 wa8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2937 ff54 fs3 fc2 sc0 lsd4 wsf8\">Deferred tax<span class=\"_ _22b\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y2938 ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _216\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y2939 ff54 fs3 fc2 sc0 lse2 ws94\">UK<span class=\"_ _225\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y28de w291 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x on p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s/(loss<span class=\"_ _6\"></span>es) for t<span class=\"_ _6\"></span>he year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f1 y28de w292 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(26.1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f2 y28de w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x4f3 y293a w293 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f4 y293a w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w294 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax c<span class=\"_ _0\"></span>redit f<span class=\"_ _0\"></span>rom<span class=\"_ _0\"></span> continuing<span class=\"_ _0\"></span> operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f5 y290a w293 h97\"><div class=\"t m0 x1b5 hd y27c8 ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f6 y290a w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w295 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax c<span class=\"_ _0\"></span>redit<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f7 y293c w293 h97\"><div class=\"t m0 x1b5 hd y27c8 ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f8 y293c w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w296 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal tax (credit)<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f9 y2810 w297 h97\"><div class=\"t m0 x1b5 hd y27c8 ff60 fs3 fc3 sc0 ls69 wsb9\">(25.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fa y2810 w1df h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr></table>The a<span class=\"_ _6\"></span>bove cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x cha<span class=\"_ _6\"></span>rge rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s the ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>ax on t<span class=\"_ _6\"></span>he R<span class=\"_ _6\"></span>ese<span class=\"_ _6\"></span>arch an<span class=\"_ _6\"></span>d Deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt E<span class=\"_ _6\"></span>xp<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ture C<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it (\u201c<span class=\"_ _6\"></span>RD<span class=\"_ _6\"></span>EC<span class=\"_ _6\"></span>\u201d) rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e for 2025.<span class=\"_ _2f2\"> </span>In t<span class=\"_ _6\"></span>he pr<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>r year<span class=\"_ _0\"></span>, th<span class=\"_ _6\"></span>e cur<span class=\"_ _6\"></span>rent t<span class=\"_ _6\"></span>ax ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he ta<span class=\"_ _6\"></span>x li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y on th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up\u2019s t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>ble p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>, inc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g US st<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>axe<span class=\"_ _6\"></span>s from 1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4 to the d<span class=\"_ _6\"></span>ate of di<span class=\"_ _6\"></span>sp<span class=\"_ _6\"></span>osa<span class=\"_ _6\"></span>l of th<span class=\"_ _6\"></span>e US bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss, a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t of ta<span class=\"_ _6\"></span>x ded<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he RD<span class=\"_ _6\"></span>EC rec<span class=\"_ _6\"></span>eiva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e for 202<span class=\"_ _0\"></span>4.<span class=\"_ _2f2\"> </span>Bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span>\u2019s curre<span class=\"_ _6\"></span>nt f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al pro<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s, th<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate of t<span class=\"_ _6\"></span>he de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g in th<span class=\"_ _6\"></span>e UK was \u00a323.6 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 (31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _0\"></span>4: \u00a3nil). The de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he R<span class=\"_ _6\"></span>DEC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts was \u00a32.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n at 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 (<span class=\"_ _0\"></span>31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _0\"></span>4: \u00a3nil). The U<span class=\"_ _6\"></span>S bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024 is rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>s disc<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p (credi<span class=\"_ _6\"></span>t)/cha<span class=\"_ _6\"></span>rge for t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar c<span class=\"_ _6\"></span>an be re<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>ed to t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it b<span class=\"_ _6\"></span>efore t<span class=\"_ _6\"></span>ax s<span class=\"_ _6\"></span>hown p<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>date<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e as fol<span class=\"_ _6\"></span>lows.<span class=\"_ _2f2\"> </span>Fac<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the t<span class=\"_ _6\"></span>ax (cr<span class=\"_ _6\"></span>edi<span class=\"_ _6\"></span>t)/cha<span class=\"_ _6\"></span>rg<span class=\"_ _6\"></span>e for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span><table class=\"s w298 hb3\" id=\"_3788db3a-00c8-4c9f-bf65-4153c9768c81\"><tr><td></td><td class=\"t m0 x49f h28 y293d ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y293d ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y293e ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y293e ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y293f ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y293f ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2940 w299 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it b<span class=\"_ _6\"></span>efore t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fb y2940 w222 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">20.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fc y2940 w29a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2941 w29b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>a<span class=\"_ _6\"></span>xat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n on p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t at 25.0% (2024: 25.0%<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fd y2941 w27 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fe y2941 w27e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2942 ff55 fs3 fc2 sc0 ls12 ws16\">Ef<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f:<span class=\"_ _21a\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2943 w29c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Res<span class=\"_ _6\"></span>earc<span class=\"_ _6\"></span>h and d<span class=\"_ _6\"></span>evelo<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2943 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fc y2943 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2944 w29d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">For<span class=\"_ _0\"></span>eign tax rate<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ff y2944 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x500 y2944 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2945 w29e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">Non-taxable/<span class=\"_ _0\"></span>non-deductible e<span class=\"_ _0\"></span>xpenses<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b6 y2945 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x501 y2945 w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2946 w29f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Unrecognis<span class=\"_ _0\"></span>ed timing differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x502 y2946 w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x503 y2946 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2808 w2a1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Unrecognised<span class=\"_ _0\"></span> tax losses acc<span class=\"_ _0\"></span>umulated<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4aa y2808 w160 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x504 y2808 w2a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2947 w2a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x505 y2947 w2a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x506 y2947 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28bd w2a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Patent bo<span class=\"_ _0\"></span>x<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x507 y28bd w2a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(5.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x508 y28bd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293a w2a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y293a w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x509 y293a w2a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w296 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal tax (credit)<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f9 y290a w297 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls69 wsb9\">(25.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fa y290a w1df h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w2a9 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal tax<span class=\"_ _0\"></span> (<span class=\"_ _0\"></span>credit)<span class=\"_ _b\"></span>/charge<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> cont<span class=\"_ _0\"></span>inuing operat<span class=\"_ _0\"></span>ions<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50a y293c w2aa h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls69 wsb9\">(25.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50b y293c w2ab h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2ac h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal tax charge from discontinued operat<span class=\"_ _6\"></span>ions<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x25a y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50c y2810 we8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table>The<span class=\"_ _6\"></span>re was n<span class=\"_ _6\"></span>o ta<span class=\"_ _6\"></span>x cha<span class=\"_ _6\"></span>rge/(cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>) in t<span class=\"_ _6\"></span>he cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t or pr<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>r year re<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d to exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s on t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sla<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e or t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>cycli<span class=\"_ _6\"></span>ng of t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e in<span class=\"_ _6\"></span>to prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is ta<span class=\"_ _6\"></span>xed a<span class=\"_ _6\"></span>t di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nt ra<span class=\"_ _6\"></span>tes de<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e coun<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch t<span class=\"_ _6\"></span>he prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>e. The key ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x ra<span class=\"_ _6\"></span>te for 2025 inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he UK a<span class=\"_ _6\"></span>t 25%. For th<span class=\"_ _6\"></span>e pr<span class=\"_ _6\"></span>ior ye<span class=\"_ _6\"></span>ar<span class=\"_ _0\"></span>, th<span class=\"_ _6\"></span>e key app<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>ax ra<span class=\"_ _6\"></span>tes in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K at 25% an<span class=\"_ _6\"></span>d the U<span class=\"_ _6\"></span>S 21%. The ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>ive t<span class=\"_ _6\"></span>ax r<span class=\"_ _6\"></span>ate for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r was -<span class=\"_ _0\"></span>126.45% (202<span class=\"_ _0\"></span>4: 4.87%)<span class=\"_ _0\"></span>. Pa<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ox<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>d to reg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ter a p<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he P<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice in 2022, i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g mo<span class=\"_ _6\"></span>del o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Glo<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>l Pla<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m for O<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ions<span class=\"_ _6\"></span>. Thi<span class=\"_ _6\"></span>s pate<span class=\"_ _6\"></span>nt wa<span class=\"_ _6\"></span>s gra<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d in Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y 2025, and t<span class=\"_ _6\"></span>he T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an, an<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>an i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me s<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>ams of t<span class=\"_ _6\"></span>he bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess s<span class=\"_ _6\"></span>hou<span class=\"_ _6\"></span>ld qu<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r pate<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ox tre<span class=\"_ _6\"></span>atm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t for UK c<span class=\"_ _6\"></span>orp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>. Thi<span class=\"_ _6\"></span>s mea<span class=\"_ _6\"></span>ns th<span class=\"_ _6\"></span>at p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng to t<span class=\"_ _6\"></span>he pa<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>ted tec<span class=\"_ _6\"></span>hno<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy wi<span class=\"_ _6\"></span>ll be s<span class=\"_ _6\"></span>ubj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to co<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ora<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>ax at 1<span class=\"_ _6\"></span>0% ra<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>ate of 25%. Thi<span class=\"_ _6\"></span>s mec<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ism wo<span class=\"_ _6\"></span>rks by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>vin<span class=\"_ _6\"></span>g ex<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>a ta<span class=\"_ _6\"></span>x de<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s aga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>ble p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to a p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts all<span class=\"_ _6\"></span>oc<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e pa<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>. As 2025 is t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>irs<span class=\"_ _6\"></span>t yea<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e pa<span class=\"_ _6\"></span>tent i<span class=\"_ _6\"></span>s reg<span class=\"_ _6\"></span>iste<span class=\"_ _6\"></span>red, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l also b<span class=\"_ _6\"></span>e ab<span class=\"_ _6\"></span>le to cl<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>m pate<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ox de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e 2025 cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n ta<span class=\"_ _6\"></span>x retu<span class=\"_ _6\"></span>rn fo<span class=\"_ _6\"></span>r 2023 and 202<span class=\"_ _0\"></span>4, as wel<span class=\"_ _6\"></span>l as for 2025. Th<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>edu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n in 2025 (for t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e year<span class=\"_ _6\"></span>s) is \u00a35.3 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (2024: \u00a3ni<span class=\"_ _6\"></span>l)<span class=\"_ _0\"></span>. From 2026, the G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l annu<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly rec<span class=\"_ _6\"></span>eive o<span class=\"_ _6\"></span>ne year<span class=\"_ _6\"></span>\u2019s wo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h of de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>De<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span><table class=\"s w24e hb4\" id=\"_d65e5aab-50fe-4f02-81db-fc9330ff36fb\"><tr><td></td><td class=\"t m0 x49f h28 y2948 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2948 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2949 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2949 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y294a ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y294a ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2860 w2ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s (UK<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50d y2860 w2ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">23<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x399 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w2af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50e y2861 wd4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50f y2861 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2b0 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">Recognised<span class=\"_ _0\"></span> def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x510 y2810 w16d h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x511 y2810 w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr></table>A defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et of \u00a326.1 mill<span class=\"_ _6\"></span>ion h<span class=\"_ _6\"></span>as b<span class=\"_ _6\"></span>een re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed, o<span class=\"_ _6\"></span>f whi<span class=\"_ _6\"></span>ch \u00a323.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on re<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e brou<span class=\"_ _6\"></span>ght fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ses an<span class=\"_ _6\"></span>d \u00a32.5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>ates to R<span class=\"_ _6\"></span>DEC S<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>p 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has un<span class=\"_ _6\"></span>use<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x lo<span class=\"_ _6\"></span>sses o<span class=\"_ _6\"></span>f \u00a3128.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a3125.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) tha<span class=\"_ _6\"></span>t are avai<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le fo<span class=\"_ _6\"></span>r of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>et a<span class=\"_ _6\"></span>gai<span class=\"_ _6\"></span>nst f<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ture t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts, an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>re is no ex<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y date fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e unu<span class=\"_ _6\"></span>sed p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s. Re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>set o<span class=\"_ _6\"></span>n lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s is de<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nt on t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tenc<span class=\"_ _6\"></span>e of fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>ble p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e com<span class=\"_ _6\"></span>pany h<span class=\"_ _6\"></span>as ma<span class=\"_ _6\"></span>de t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts in 2025, b<span class=\"_ _6\"></span>efore p<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t box d<span class=\"_ _6\"></span>edu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns.  I<span class=\"_ _6\"></span>t is ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up wi<span class=\"_ _6\"></span>ll co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>e to make p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re and s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rri<span class=\"_ _6\"></span>ed fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es for t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>irs<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>ime i<span class=\"_ _6\"></span>n 2026. The \u00a323.6 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to \u00a394.2 m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>. The \u00a3<span class=\"_ _6\"></span>23.6 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nts a re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion of c73% of t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd los<span class=\"_ _6\"></span>s posi<span class=\"_ _6\"></span>tion. The j<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons us<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e defer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t are di<span class=\"_ _6\"></span>scl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in no<span class=\"_ _6\"></span>te 2. It i<span class=\"_ _6\"></span>s exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t \u00a33.9 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e defe<span class=\"_ _6\"></span>rred t<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>x asse<span class=\"_ _6\"></span>t in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to los<span class=\"_ _6\"></span>ses w<span class=\"_ _6\"></span>ill b<span class=\"_ _6\"></span>e u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he nex<span class=\"_ _5\"></span>t 12 mont<span class=\"_ _6\"></span>hs an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e rem<span class=\"_ _6\"></span>aini<span class=\"_ _6\"></span>ng \u00a3<span class=\"_ _6\"></span>19.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t wil<span class=\"_ _6\"></span>l be rec<span class=\"_ _6\"></span>overed a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter 12 m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs. A defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et of \u00a32.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s. I<span class=\"_ _6\"></span>t is exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t all of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to th<span class=\"_ _6\"></span>e RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts w<span class=\"_ _6\"></span>ill b<span class=\"_ _6\"></span>e ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he nex<span class=\"_ _6\"></span>t 12 m<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ths.<span class=\"_ _2f2\"> </span>Unrecognis<span class=\"_ _0\"></span>ed def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax<span class=\"_ _2f2\"> </span><table class=\"s w9d hb5\" id=\"_8a106bed-0eae-4010-bdfa-567c997e6f25\"><tr><td></td><td class=\"t m0 x24c h28 y294b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y294b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y294c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y294c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y294d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y294d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2900 w1e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prop<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x502 y2900 w2b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">8.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a7 y2900 w2b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">6.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2901 w2b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x512 y2901 w2b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">34.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x513 y2901 w2b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">125.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w2b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d sto<span class=\"_ _6\"></span>ck o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ions<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x514 y2902 w2b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">22<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x515 y2902 w2b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">22.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w2af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x516 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x517 y2860 w2b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">8<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w25e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Ot<span class=\"_ _6\"></span>her<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x518 y2861 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x519 y2861 w1d3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y280f w2ba h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">Unrecognis<span class=\"_ _0\"></span>ed def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax</div><div class=\"t m0 x51a h49 y27bd ff54 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x51b y294e w2bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">66.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x51c y294e w2bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">162.6<span class=\"_ _2f2\"> </span></div></td></tr></table>1.  <span class=\"_ _5\"> </span>B<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>s pre<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>bo<span class=\"_ _6\"></span>ve are g<span class=\"_ _6\"></span>ro<span class=\"_ _6\"></span>ss t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ces a<span class=\"_ _6\"></span>nd a<span class=\"_ _6\"></span>re n<span class=\"_ _6\"></span>ot ta<span class=\"_ _6\"></span>x ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has an u<span class=\"_ _6\"></span>nre<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x as<span class=\"_ _6\"></span>set va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of \u00a31<span class=\"_ _6\"></span>6.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a340.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. This a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ises \u00a3<span class=\"_ _6\"></span>8.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a331<span class=\"_ _6\"></span>.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) for c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>, \u00a35.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a35.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) of de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons d<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d \u00a32.3 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>.8 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) of ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t te<span class=\"_ _6\"></span>rm t<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ference<span class=\"_ _6\"></span>s. In t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>or yea<span class=\"_ _6\"></span>r the<span class=\"_ _6\"></span>re was \u00a32.0 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f unre<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>ets i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to R<span class=\"_ _6\"></span>DEC S<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>p 2 cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts wh<span class=\"_ _6\"></span>ich w<span class=\"_ _6\"></span>as fu<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in 2025. Th<span class=\"_ _6\"></span>ere is n<span class=\"_ _6\"></span>o exp<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>y da<span class=\"_ _6\"></span>te for t<span class=\"_ _6\"></span>he un<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-436": {
   "value": "8. I<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me ta<span class=\"_ _6\"></span>x (cre<span class=\"_ _6\"></span>dit<span class=\"_ _6\"></span>)/<span class=\"_ _0\"></span>cha<span class=\"_ _6\"></span>rg<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to a<span class=\"_ _6\"></span>ll t<span class=\"_ _6\"></span>axes ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e to a co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l com<span class=\"_ _6\"></span>pany i<span class=\"_ _6\"></span>n it<span class=\"_ _6\"></span>s cou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rie<span class=\"_ _6\"></span>s of op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. T<span class=\"_ _6\"></span>he UK (l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es)/profi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny are su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to U<span class=\"_ _6\"></span>K in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x at t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nda<span class=\"_ _6\"></span>rd cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n ta<span class=\"_ _6\"></span>x ra<span class=\"_ _6\"></span>te of 25% (202<span class=\"_ _0\"></span>4: 25<span class=\"_ _0\"></span>%<span class=\"_ _0\"></span>)<span class=\"_ _0\"></span>. <table class=\"s w9d hb2\" id=\"_b9a0b595-e7a5-4e43-a55f-04efbaba743d\"><tr><td></td><td class=\"t m0 x24c h28 y2926 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2926 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2927 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2927 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2928 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2928 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y2929 ff54 fs3 fc2 sc0 ls12 ws16\">Cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>ax<span class=\"_ _224\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y292a ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _216\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y292b ff54 fs3 fc2 sc0 lse2 ws94\">UK<span class=\"_ _225\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y292c w28a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x on p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>/(loss<span class=\"_ _6\"></span>es) for th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e4 y292c w28b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e5 y292c w161 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x4e6 y292d w160 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e7 y292d w161 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y292e w28c h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>o<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l cur<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>nt ta<span class=\"_ _6\"></span>x ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e fro<span class=\"_ _6\"></span>m co<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e8 y292f w160 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e9 y292f w161 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2930 ff54 fs3 fc2 sc0 lsd4 wsf8\">Discontinued operations<span class=\"_ _227\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y2931 ff54 fs3 fc2 sc0 ls3d ws47\">US<span class=\"_ _226\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2932 w28d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x on (l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s)<span class=\"_ _0\"></span>/prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts for t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2932 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4eb y2932 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2933 w28e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Adjustment in r<span class=\"_ _0\"></span>espect of<span class=\"_ _0\"></span> prior year<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y2933 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ed y2933 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2934 w28f h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>o<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l cur<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>nt ta<span class=\"_ _6\"></span>x ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e fro<span class=\"_ _6\"></span>m di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ee y2935 w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ef y2935 we8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28eb w290 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal current tax charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f0 y2936 w28b h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y2936 wa8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2937 ff54 fs3 fc2 sc0 lsd4 wsf8\">Deferred tax<span class=\"_ _22b\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y2938 ff54 fs3 fc2 sc0 lsd4 wsf8\">Continuing operations<span class=\"_ _216\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"t m0 x250 hd y2939 ff54 fs3 fc2 sc0 lse2 ws94\">UK<span class=\"_ _225\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y28de w291 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x on p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s/(loss<span class=\"_ _6\"></span>es) for t<span class=\"_ _6\"></span>he year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f1 y28de w292 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(26.1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f2 y28de w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x4f3 y293a w293 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f4 y293a w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w294 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax c<span class=\"_ _0\"></span>redit f<span class=\"_ _0\"></span>rom<span class=\"_ _0\"></span> continuing<span class=\"_ _0\"></span> operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f5 y290a w293 h97\"><div class=\"t m0 x1b5 hd y27c8 ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f6 y290a w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w295 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax c<span class=\"_ _0\"></span>redit<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f7 y293c w293 h97\"><div class=\"t m0 x1b5 hd y27c8 ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f8 y293c w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w296 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal tax (credit)<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f9 y2810 w297 h97\"><div class=\"t m0 x1b5 hd y27c8 ff60 fs3 fc3 sc0 ls69 wsb9\">(25.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fa y2810 w1df h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr></table>The a<span class=\"_ _6\"></span>bove cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>x cha<span class=\"_ _6\"></span>rge rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s the ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>ax on t<span class=\"_ _6\"></span>he R<span class=\"_ _6\"></span>ese<span class=\"_ _6\"></span>arch an<span class=\"_ _6\"></span>d Deve<span class=\"_ _6\"></span>lop<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt E<span class=\"_ _6\"></span>xp<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ture C<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it (\u201c<span class=\"_ _6\"></span>RD<span class=\"_ _6\"></span>EC<span class=\"_ _6\"></span>\u201d) rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e for 2025.<span class=\"_ _2f2\"> </span>In t<span class=\"_ _6\"></span>he pr<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>r year<span class=\"_ _0\"></span>, th<span class=\"_ _6\"></span>e cur<span class=\"_ _6\"></span>rent t<span class=\"_ _6\"></span>ax ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he ta<span class=\"_ _6\"></span>x li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y on th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up\u2019s t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>ble p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>, inc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g US st<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>axe<span class=\"_ _6\"></span>s from 1 Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4 to the d<span class=\"_ _6\"></span>ate of di<span class=\"_ _6\"></span>sp<span class=\"_ _6\"></span>osa<span class=\"_ _6\"></span>l of th<span class=\"_ _6\"></span>e US bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss, a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t of ta<span class=\"_ _6\"></span>x ded<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he RD<span class=\"_ _6\"></span>EC rec<span class=\"_ _6\"></span>eiva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e for 202<span class=\"_ _0\"></span>4.<span class=\"_ _2f2\"> </span>Bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the G<span class=\"_ _6\"></span>roup<span class=\"_ _6\"></span>\u2019s curre<span class=\"_ _6\"></span>nt f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al pro<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s, th<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate of t<span class=\"_ _6\"></span>he de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s ari<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g in th<span class=\"_ _6\"></span>e UK was \u00a323.6 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 (31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _0\"></span>4: \u00a3nil). The de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he R<span class=\"_ _6\"></span>DEC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts was \u00a32.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n at 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 (<span class=\"_ _0\"></span>31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _0\"></span>4: \u00a3nil). The U<span class=\"_ _6\"></span>S bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024 is rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>s disc<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p (credi<span class=\"_ _6\"></span>t)/cha<span class=\"_ _6\"></span>rge for t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar c<span class=\"_ _6\"></span>an be re<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>ed to t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it b<span class=\"_ _6\"></span>efore t<span class=\"_ _6\"></span>ax s<span class=\"_ _6\"></span>hown p<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>date<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e as fol<span class=\"_ _6\"></span>lows.<span class=\"_ _2f2\"> </span>Fac<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s af<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the t<span class=\"_ _6\"></span>ax (cr<span class=\"_ _6\"></span>edi<span class=\"_ _6\"></span>t)/cha<span class=\"_ _6\"></span>rg<span class=\"_ _6\"></span>e for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span><table class=\"s w298 hb3\" id=\"_3788db3a-00c8-4c9f-bf65-4153c9768c81\"><tr><td></td><td class=\"t m0 x49f h28 y293d ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y293d ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y293e ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y293e ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y293f ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y293f ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2940 w299 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it b<span class=\"_ _6\"></span>efore t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fb y2940 w222 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">20.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fc y2940 w29a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2941 w29b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>a<span class=\"_ _6\"></span>xat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n on p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t at 25.0% (2024: 25.0%<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fd y2941 w27 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fe y2941 w27e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2942 ff55 fs3 fc2 sc0 ls12 ws16\">Ef<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f:<span class=\"_ _21a\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2943 w29c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Res<span class=\"_ _6\"></span>earc<span class=\"_ _6\"></span>h and d<span class=\"_ _6\"></span>evelo<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2943 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fc y2943 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2944 w29d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">For<span class=\"_ _0\"></span>eign tax rate<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ff y2944 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x500 y2944 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2945 w29e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">Non-taxable/<span class=\"_ _0\"></span>non-deductible e<span class=\"_ _0\"></span>xpenses<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3b6 y2945 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x501 y2945 w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2946 w29f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Unrecognis<span class=\"_ _0\"></span>ed timing differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x502 y2946 w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x503 y2946 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2808 w2a1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Unrecognised<span class=\"_ _0\"></span> tax losses acc<span class=\"_ _0\"></span>umulated<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4aa y2808 w160 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x504 y2808 w2a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2947 w2a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x505 y2947 w2a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x506 y2947 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28bd w2a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Patent bo<span class=\"_ _0\"></span>x<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x507 y28bd w2a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(5.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x508 y28bd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293a w2a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y293a w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x509 y293a w2a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w296 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal tax (credit)<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>charge<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4f9 y290a w297 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls69 wsb9\">(25.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fa y290a w1df h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w2a9 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">T<span class=\"_ _b\"></span>otal tax<span class=\"_ _0\"></span> (<span class=\"_ _0\"></span>credit)<span class=\"_ _b\"></span>/charge<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> cont<span class=\"_ _0\"></span>inuing operat<span class=\"_ _0\"></span>ions<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50a y293c w2aa h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls69 wsb9\">(25.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50b y293c w2ab h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2ac h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal tax charge from discontinued operat<span class=\"_ _6\"></span>ions<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x25a y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50c y2810 we8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table>The<span class=\"_ _6\"></span>re was n<span class=\"_ _6\"></span>o ta<span class=\"_ _6\"></span>x cha<span class=\"_ _6\"></span>rge/(cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>) in t<span class=\"_ _6\"></span>he cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t or pr<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>r year re<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d to exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s on t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sla<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e or t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>cycli<span class=\"_ _6\"></span>ng of t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e in<span class=\"_ _6\"></span>to prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is ta<span class=\"_ _6\"></span>xed a<span class=\"_ _6\"></span>t di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nt ra<span class=\"_ _6\"></span>tes de<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e coun<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch t<span class=\"_ _6\"></span>he prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>e. The key ap<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x ra<span class=\"_ _6\"></span>te for 2025 inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he UK a<span class=\"_ _6\"></span>t 25%. For th<span class=\"_ _6\"></span>e pr<span class=\"_ _6\"></span>ior ye<span class=\"_ _6\"></span>ar<span class=\"_ _0\"></span>, th<span class=\"_ _6\"></span>e key app<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>ax ra<span class=\"_ _6\"></span>tes in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K at 25% an<span class=\"_ _6\"></span>d the U<span class=\"_ _6\"></span>S 21%. The ef<span class=\"_ _5\"></span>fect<span class=\"_ _6\"></span>ive t<span class=\"_ _6\"></span>ax r<span class=\"_ _6\"></span>ate for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r was -<span class=\"_ _0\"></span>126.45% (202<span class=\"_ _0\"></span>4: 4.87%)<span class=\"_ _0\"></span>. Pa<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ox<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p app<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>d to reg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ter a p<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he P<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice in 2022, i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g mo<span class=\"_ _6\"></span>del o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Glo<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>l Pla<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m for O<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ions<span class=\"_ _6\"></span>. Thi<span class=\"_ _6\"></span>s pate<span class=\"_ _6\"></span>nt wa<span class=\"_ _6\"></span>s gra<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d in Ja<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y 2025, and t<span class=\"_ _6\"></span>he T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an, an<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>an i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me s<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>ams of t<span class=\"_ _6\"></span>he bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess s<span class=\"_ _6\"></span>hou<span class=\"_ _6\"></span>ld qu<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r pate<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ox tre<span class=\"_ _6\"></span>atm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t for UK c<span class=\"_ _6\"></span>orp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>. Thi<span class=\"_ _6\"></span>s mea<span class=\"_ _6\"></span>ns th<span class=\"_ _6\"></span>at p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng to t<span class=\"_ _6\"></span>he pa<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>ted tec<span class=\"_ _6\"></span>hno<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy wi<span class=\"_ _6\"></span>ll be s<span class=\"_ _6\"></span>ubj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to co<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ora<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>ax at 1<span class=\"_ _6\"></span>0% ra<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>ate of 25%. Thi<span class=\"_ _6\"></span>s mec<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ism wo<span class=\"_ _6\"></span>rks by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>vin<span class=\"_ _6\"></span>g ex<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>a ta<span class=\"_ _6\"></span>x de<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s aga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>ble p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to a p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts all<span class=\"_ _6\"></span>oc<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e pa<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>. As 2025 is t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>irs<span class=\"_ _6\"></span>t yea<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e pa<span class=\"_ _6\"></span>tent i<span class=\"_ _6\"></span>s reg<span class=\"_ _6\"></span>iste<span class=\"_ _6\"></span>red, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l also b<span class=\"_ _6\"></span>e ab<span class=\"_ _6\"></span>le to cl<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>m pate<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ox de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e 2025 cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n ta<span class=\"_ _6\"></span>x retu<span class=\"_ _6\"></span>rn fo<span class=\"_ _6\"></span>r 2023 and 202<span class=\"_ _0\"></span>4, as wel<span class=\"_ _6\"></span>l as for 2025. Th<span class=\"_ _6\"></span>e ta<span class=\"_ _6\"></span>x val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>edu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n in 2025 (for t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e year<span class=\"_ _6\"></span>s) is \u00a35.3 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (2024: \u00a3ni<span class=\"_ _6\"></span>l)<span class=\"_ _0\"></span>. From 2026, the G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>l annu<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly rec<span class=\"_ _6\"></span>eive o<span class=\"_ _6\"></span>ne year<span class=\"_ _6\"></span>\u2019s wo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h of de<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>De<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span><table class=\"s w24e hb4\" id=\"_d65e5aab-50fe-4f02-81db-fc9330ff36fb\"><tr><td></td><td class=\"t m0 x49f h28 y2948 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2948 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2949 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2949 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y294a ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y294a ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2860 w2ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s (UK<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50d y2860 w2ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">23<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x399 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w2af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50e y2861 wd4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50f y2861 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2b0 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">Recognised<span class=\"_ _0\"></span> def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x510 y2810 w16d h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x511 y2810 w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr></table>A defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et of \u00a326.1 mill<span class=\"_ _6\"></span>ion h<span class=\"_ _6\"></span>as b<span class=\"_ _6\"></span>een re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed, o<span class=\"_ _6\"></span>f whi<span class=\"_ _6\"></span>ch \u00a323.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on re<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e brou<span class=\"_ _6\"></span>ght fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>ses an<span class=\"_ _6\"></span>d \u00a32.5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>ates to R<span class=\"_ _6\"></span>DEC S<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>p 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has un<span class=\"_ _6\"></span>use<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x lo<span class=\"_ _6\"></span>sses o<span class=\"_ _6\"></span>f \u00a3128.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a3125.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) tha<span class=\"_ _6\"></span>t are avai<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le fo<span class=\"_ _6\"></span>r of<span class=\"_ _6\"></span>fs<span class=\"_ _6\"></span>et a<span class=\"_ _6\"></span>gai<span class=\"_ _6\"></span>nst f<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ture t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts, an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>re is no ex<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y date fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e unu<span class=\"_ _6\"></span>sed p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s. Re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>set o<span class=\"_ _6\"></span>n lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s is de<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nt on t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tenc<span class=\"_ _6\"></span>e of fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>ble p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e com<span class=\"_ _6\"></span>pany h<span class=\"_ _6\"></span>as ma<span class=\"_ _6\"></span>de t<span class=\"_ _6\"></span>axa<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts in 2025, b<span class=\"_ _6\"></span>efore p<span class=\"_ _6\"></span>aten<span class=\"_ _6\"></span>t box d<span class=\"_ _6\"></span>edu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns.  I<span class=\"_ _6\"></span>t is ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>at th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up wi<span class=\"_ _6\"></span>ll co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>e to make p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re and s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>rri<span class=\"_ _6\"></span>ed fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es for t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>irs<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>ime i<span class=\"_ _6\"></span>n 2026. The \u00a323.6 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to \u00a394.2 m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>. The \u00a3<span class=\"_ _6\"></span>23.6 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nts a re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion of c73% of t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd los<span class=\"_ _6\"></span>s posi<span class=\"_ _6\"></span>tion. The j<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons us<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e defer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t are di<span class=\"_ _6\"></span>scl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in no<span class=\"_ _6\"></span>te 2. It i<span class=\"_ _6\"></span>s exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t \u00a33.9 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e defe<span class=\"_ _6\"></span>rred t<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>x asse<span class=\"_ _6\"></span>t in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to los<span class=\"_ _6\"></span>ses w<span class=\"_ _6\"></span>ill b<span class=\"_ _6\"></span>e u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he nex<span class=\"_ _5\"></span>t 12 mont<span class=\"_ _6\"></span>hs an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e rem<span class=\"_ _6\"></span>aini<span class=\"_ _6\"></span>ng \u00a3<span class=\"_ _6\"></span>19.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t wil<span class=\"_ _6\"></span>l be rec<span class=\"_ _6\"></span>overed a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter 12 m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs. A defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et of \u00a32.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d on RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s. I<span class=\"_ _6\"></span>t is exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t all of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>t in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to th<span class=\"_ _6\"></span>e RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts w<span class=\"_ _6\"></span>ill b<span class=\"_ _6\"></span>e ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he nex<span class=\"_ _6\"></span>t 12 m<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ths.<span class=\"_ _2f2\"> </span>Unrecognis<span class=\"_ _0\"></span>ed def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax<span class=\"_ _2f2\"> </span><table class=\"s w9d hb5\" id=\"_8a106bed-0eae-4010-bdfa-567c997e6f25\"><tr><td></td><td class=\"t m0 x24c h28 y294b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y294b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y294c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y294c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y294d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y294d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2900 w1e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prop<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x502 y2900 w2b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">8.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a7 y2900 w2b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">6.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2901 w2b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard l<span class=\"_ _6\"></span>osse<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x512 y2901 w2b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">34.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x513 y2901 w2b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">125.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w2b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d sto<span class=\"_ _6\"></span>ck o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ions<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x514 y2902 w2b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">22<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x515 y2902 w2b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">22.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w2af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">RD<span class=\"_ _6\"></span>EC S<span class=\"_ _6\"></span>tep 2 cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x516 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x517 y2860 w2b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">8<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w25e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Ot<span class=\"_ _6\"></span>her<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x518 y2861 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x519 y2861 w1d3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y280f w2ba h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">Unrecognis<span class=\"_ _0\"></span>ed def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> tax</div><div class=\"t m0 x51a h49 y27bd ff54 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x51b y294e w2bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">66.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x51c y294e w2bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">162.6<span class=\"_ _2f2\"> </span></div></td></tr></table>1.  <span class=\"_ _5\"> </span>B<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>s pre<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>bo<span class=\"_ _6\"></span>ve are g<span class=\"_ _6\"></span>ro<span class=\"_ _6\"></span>ss t<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ces a<span class=\"_ _6\"></span>nd a<span class=\"_ _6\"></span>re n<span class=\"_ _6\"></span>ot ta<span class=\"_ _6\"></span>x ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has an u<span class=\"_ _6\"></span>nre<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x as<span class=\"_ _6\"></span>set va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of \u00a31<span class=\"_ _6\"></span>6.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a340.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. This a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ises \u00a3<span class=\"_ _6\"></span>8.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a331<span class=\"_ _6\"></span>.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) for c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd los<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>, \u00a35.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a35.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) of de<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons d<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d \u00a32.3 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>.8 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) of ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t te<span class=\"_ _6\"></span>rm t<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ference<span class=\"_ _6\"></span>s. In t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>or yea<span class=\"_ _6\"></span>r the<span class=\"_ _6\"></span>re was \u00a32.0 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f unre<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>ets i<span class=\"_ _6\"></span>n rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to R<span class=\"_ _6\"></span>DEC S<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>p 2 cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts wh<span class=\"_ _6\"></span>ich w<span class=\"_ _6\"></span>as fu<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in 2025. Th<span class=\"_ _6\"></span>ere is n<span class=\"_ _6\"></span>o exp<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>y da<span class=\"_ _6\"></span>te for t<span class=\"_ _6\"></span>he un<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-403": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls2b ws33 gs58e\">9<span class=\"_ _0\"></span>. Earnings<span class=\"_ _0\"></span>/<span class=\"_ _0\"></span>(lo<span class=\"_ _0\"></span>ss)<span class=\"_ _0\"></span> per<span class=\"_ _0\"></span> share<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs58f\">Bas<span class=\"_ _6\"></span>ic e<span class=\"_ _6\"></span>arn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s/(los<span class=\"_ _6\"></span>s) per sh<span class=\"_ _6\"></span>are am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re ca<span class=\"_ _6\"></span>lcul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d by div<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>/(los<span class=\"_ _6\"></span>s) for th<span class=\"_ _6\"></span>e year a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rib<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le to o<span class=\"_ _6\"></span>rdi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs590\">ho<span class=\"_ _6\"></span>lde<span class=\"_ _6\"></span>rs of t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any by t<span class=\"_ _6\"></span>he wei<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>ed aver<span class=\"_ _6\"></span>age n<span class=\"_ _6\"></span>umb<span class=\"_ _6\"></span>er of o<span class=\"_ _6\"></span>rdi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng du<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs591\">For d<span class=\"_ _6\"></span>ilu<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d ear<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>gs/(los<span class=\"_ _6\"></span>s) per s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re, the we<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hted ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r of ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res in i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>e is ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>o assu<span class=\"_ _6\"></span>me co<span class=\"_ _6\"></span>nversi<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs592\">of al<span class=\"_ _6\"></span>l dil<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ive p<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>al o<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares<span class=\"_ _6\"></span>. The d<span class=\"_ _6\"></span>ilu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive po<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>re opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns gr<span class=\"_ _6\"></span>ante<span class=\"_ _6\"></span>d to em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyees </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs593\">un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019<span class=\"_ _6\"></span>s sha<span class=\"_ _6\"></span>re-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>mpe<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on sc<span class=\"_ _6\"></span>hem<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ich d<span class=\"_ _6\"></span>o no<span class=\"_ _6\"></span>t have an exerc<span class=\"_ _6\"></span>ise p<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>e or wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he exerci<span class=\"_ _6\"></span>se pr<span class=\"_ _6\"></span>ice i<span class=\"_ _6\"></span>s les<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs594\">th<span class=\"_ _6\"></span>an t<span class=\"_ _6\"></span>he avera<span class=\"_ _6\"></span>ge m<span class=\"_ _6\"></span>arke<span class=\"_ _6\"></span>t pri<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any<span class=\"_ _6\"></span>\u2019s ordi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>res dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs595\">Wh<span class=\"_ _6\"></span>ere lo<span class=\"_ _6\"></span>ss p<span class=\"_ _6\"></span>er sh<span class=\"_ _6\"></span>are is p<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ted<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>ere is no d<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>feren<span class=\"_ _6\"></span>ce in t<span class=\"_ _6\"></span>he we<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hted ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r of sh<span class=\"_ _6\"></span>ares us<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n the c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>cul<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs596\">bas<span class=\"_ _6\"></span>ic an<span class=\"_ _6\"></span>d di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted l<span class=\"_ _6\"></span>oss p<span class=\"_ _6\"></span>er sh<span class=\"_ _6\"></span>are as t<span class=\"_ _6\"></span>he ef<span class=\"_ _5\"></span>fect o<span class=\"_ _6\"></span>f all p<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve sha<span class=\"_ _6\"></span>res ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ing w<span class=\"_ _6\"></span>as an<span class=\"_ _6\"></span>ti-<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs597\">The fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>ble re<span class=\"_ _6\"></span>fl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>/(los<span class=\"_ _6\"></span>s) and sh<span class=\"_ _6\"></span>are da<span class=\"_ _6\"></span>ta u<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>ic an<span class=\"_ _6\"></span>d di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted e<span class=\"_ _6\"></span>arn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s/(los<span class=\"_ _6\"></span>s) per sh<span class=\"_ _6\"></span>are co<span class=\"_ _6\"></span>mpu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s:<span class=\"_ _2f2\"> </span></div><div class=\"gs598\"><table class=\"s w9d hb6\" id=\"_17641ea0-1822-4a19-beb7-5d0f6c87eb25\"><tr><td></td><td></td><td></td><td class=\"t m0 x24d h28 y294f ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x24f h28 y2950 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x51d h28 y2951 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x51e h28 y2951 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x51f h28 y2951 ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x473 h28 y2952 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x520 h28 y2952 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x521 h28 y2952 ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x473 h28 y2953 ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x522 h28 y2953 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x523 h28 y2953 ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y2954 ff54 fs3 fc2 sc0 lsd4 wsf8\">Earnings per shar<span class=\"_ _0\"></span>e from<span class=\"_ _0\"></span> continuing operations<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x524 h28 y2954 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2954 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2954 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2955 w2bd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year f<span class=\"_ _6\"></span>rom co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x525 y2955 w7e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">46<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x526 y2955 w1e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x441 y2955 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2956 w2be h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>ic we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted aver<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>ber o<span class=\"_ _6\"></span>f ordi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res in is<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>e (mill<span class=\"_ _6\"></span>ion)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x527 y2956 w2bf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">314<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x528 y2956 w2c0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">3<span class=\"_ _6\"></span>42<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x529 y2956 w163 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">342<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285e w2c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>ic e<span class=\"_ _6\"></span>arn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s pe<span class=\"_ _6\"></span>r sha<span class=\"_ _6\"></span>re from c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>uin<span class=\"_ _6\"></span>g op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x52a y285e w2c2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">14.6<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x52b y285e w8d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _5\"></span>p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3ed y285e w2c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8p<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28f5 w2bd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year f<span class=\"_ _6\"></span>rom co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x525 y28f5 w7e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">46<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x526 y28f5 w1e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x441 y28f5 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w2c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted aver<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>ber o<span class=\"_ _6\"></span>f ordi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res in is<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>e (mill<span class=\"_ _6\"></span>ion)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x52c y28b9 w2c5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">328<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x52d y28b9 w2c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>82.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x52e y28b9 w2c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>82.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2c7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Diluted earnings per<span class=\"_ _0\"></span> share<span class=\"_ _0\"></span> from c<span class=\"_ _0\"></span>ontinuing operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x52f y280f w2c8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">14<span class=\"_ _6\"></span>.0p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x530 y280f w2c9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0.1<span class=\"_ _5\"></span>p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x531 y280f w2c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8p<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"gs53d\"><table class=\"s w2ca hb7\" id=\"_ce75d239-f84c-4730-9679-b7affee84084\"><tr><td></td><td></td><td></td><td class=\"t m0 x1b2 h28 y2957 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1b8 h28 y2958 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x532 h28 y2959 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x533 h28 y2959 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x534 h28 y2959 ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a8 h28 y295a ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x3a9 h28 y295a ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x535 h28 y295a ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4bf h28 y295b ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x536 h28 y295b ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y295b ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y295c ff54 fs3 fc2 sc0 lsd4 wsf8\">Earnings/<span class=\"_ _0\"></span>(<span class=\"_ _0\"></span>loss<span class=\"_ _0\"></span>) per share<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y295c ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y295c ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y295c ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y295d w2cb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>/(lo<span class=\"_ _6\"></span>ss) for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r from d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x537 y295d w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x538 y295d w6f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">8.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x539 y295d w2cc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y295e w2be h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>ic we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted aver<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>ber o<span class=\"_ _6\"></span>f ordi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res in is<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>e (mill<span class=\"_ _6\"></span>ion)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x527 y295e w2bf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">314<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x528 y295e w2c0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">3<span class=\"_ _6\"></span>42<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x529 y295e w163 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">342<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285e w2cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>ic e<span class=\"_ _6\"></span>arn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s/(los<span class=\"_ _6\"></span>s) per sh<span class=\"_ _6\"></span>are f<span class=\"_ _6\"></span>rom dis<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x350 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x53a y285e w2ce h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">2.4<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x53b y285e w1c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3<span class=\"_ _6\"></span>.0<span class=\"_ _6\"></span>)p<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b8 w2cb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>/(lo<span class=\"_ _6\"></span>ss) for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r from d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x537 y28b8 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x538 y28b8 w6f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">8.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x539 y28b8 w2cc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y295f w2c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted aver<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>ber o<span class=\"_ _6\"></span>f ordi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res in is<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>e (mill<span class=\"_ _6\"></span>ion)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x52c y295f w2c5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">328<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x52d y295f w2c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>82.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x53c y295f w2cf h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">342<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2d0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted e<span class=\"_ _6\"></span>arn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s/(los<span class=\"_ _6\"></span>s) per sh<span class=\"_ _6\"></span>are f<span class=\"_ _6\"></span>rom di<span class=\"_ _6\"></span>scon<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x53d y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x53e y280f w95 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.2p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x53f y280f w1c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3<span class=\"_ _6\"></span>.0<span class=\"_ _6\"></span>)p<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"gs59a\"><table class=\"s w2d1 hb8\" id=\"_2c221a17-239e-4b7b-a54e-664139fbcac1\"><tr><td></td><td></td><td></td><td class=\"t m0 x1b2 h28 y2960 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1b8 h28 y2961 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x532 h28 y2962 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x533 h28 y2962 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x534 h28 y2962 ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a8 h28 y2963 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x3a9 h28 y2963 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x535 h28 y2963 ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4bf h28 y2964 ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x536 h28 y2964 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2964 ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2965 ff54 fs3 fc2 sc0 lsd4 wsf8\">Earnings/<span class=\"_ _0\"></span>(<span class=\"_ _0\"></span>loss<span class=\"_ _0\"></span>) per share<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> all operations<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y2965 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y2965 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2965 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2955 w165 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>/(lo<span class=\"_ _6\"></span>ss) for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x540 y2955 w2d2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">46.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d3 y2955 w2d3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">8<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x541 y2955 w72 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>3<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2956 w2be h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>ic we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted aver<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>ber o<span class=\"_ _6\"></span>f ordi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res in is<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>e (mill<span class=\"_ _6\"></span>ion)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x527 y2956 w2bf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">314<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x528 y2956 w2c0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">3<span class=\"_ _6\"></span>42<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x529 y2956 w163 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">342<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285e w2d4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>ic to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l ear<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>gs/(lo<span class=\"_ _6\"></span>ss) per s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x542 y285e w2d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">14<span class=\"_ _6\"></span>.6p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x543 y285e w99 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>5p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x544 y285e w98 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28f5 w165 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>/(lo<span class=\"_ _6\"></span>ss) for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x540 y28f5 w2d2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">46.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d3 y28f5 w2d3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">8<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x541 y28f5 w72 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>3<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w2c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted aver<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>ber o<span class=\"_ _6\"></span>f ordi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res in is<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>e (mill<span class=\"_ _6\"></span>ion)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x52c y28b9 w2c5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">328<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x52d y28b9 w2c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>82.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x53c y28b9 w2cf h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">342<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l ear<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>gs/(lo<span class=\"_ _6\"></span>ss) per s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x545 y280f w8c h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">1<span class=\"_ _6\"></span>4.0<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x546 y280f w9c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x547 y280f w2d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _6\"></span>p<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls64 ws94 gs59b\">Adj<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ted v<span class=\"_ _6\"></span>iew o<span class=\"_ _6\"></span>f ea<span class=\"_ _6\"></span>rni<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>s pe<span class=\"_ _6\"></span>r sha<span class=\"_ _6\"></span>re fr<span class=\"_ _6\"></span>om co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>ng op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns exclu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f de<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs59c\">Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year e<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up rec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d a defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x ass<span class=\"_ _6\"></span>et of \u00a326.1 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n for th<span class=\"_ _6\"></span>e fi<span class=\"_ _6\"></span>rs<span class=\"_ _6\"></span>t ti<span class=\"_ _6\"></span>me th<span class=\"_ _6\"></span>at </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs59d\">resu<span class=\"_ _6\"></span>lte<span class=\"_ _6\"></span>d in a m<span class=\"_ _6\"></span>ater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l ta<span class=\"_ _6\"></span>x cred<span class=\"_ _6\"></span>it i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e year, whic<span class=\"_ _6\"></span>h inc<span class=\"_ _6\"></span>rease<span class=\"_ _6\"></span>d prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t for t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r and re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>n a hi<span class=\"_ _6\"></span>ghe<span class=\"_ _6\"></span>r ear<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>gs p<span class=\"_ _6\"></span>er sh<span class=\"_ _6\"></span>are f<span class=\"_ _6\"></span>igu<span class=\"_ _6\"></span>re. </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs59e\">Wh<span class=\"_ _6\"></span>ile t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of d<span class=\"_ _6\"></span>efer<span class=\"_ _6\"></span>red t<span class=\"_ _6\"></span>ax is n<span class=\"_ _6\"></span>ot c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red a<span class=\"_ _6\"></span>n excep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l ite<span class=\"_ _6\"></span>m for t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>oses o<span class=\"_ _6\"></span>f the c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs59f\">com<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>hens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e, it i<span class=\"_ _6\"></span>s con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d tha<span class=\"_ _6\"></span>t an a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>d view o<span class=\"_ _6\"></span>f ear<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>er sh<span class=\"_ _6\"></span>are fro<span class=\"_ _6\"></span>m co<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nui<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s exclu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5a0\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d ta<span class=\"_ _6\"></span>x and exc<span class=\"_ _6\"></span>ept<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>ms is us<span class=\"_ _6\"></span>efu<span class=\"_ _6\"></span>l to use<span class=\"_ _6\"></span>rs of t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s to all<span class=\"_ _6\"></span>ow a mo<span class=\"_ _6\"></span>re dire<span class=\"_ _6\"></span>ct c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>iso<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd1 wsf5 gs5a1\">of underlying<span class=\"_ _0\"></span> per<span class=\"_ _6\"></span>formanc<span class=\"_ _0\"></span>e.<span class=\"_ _2f2\"> </span></div><div class=\"gs5a2\"><table class=\"s w2d8 hb9\" id=\"_a26e12ed-622f-4163-8164-3c3ffaacf8cd\"><tr><td></td><td></td><td class=\"t m0 x1b2 h28 y2966 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x1b8 h28 y2967 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x49f h28 y2968 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x534 h28 y2968 ff55 fs19 fc2 sc0 lsc8 wsec\">Befor<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2969 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x535 h28 y2969 ff56 fs19 fc2 sc0 lsc9 wsed\">exc<span class=\"_ _0\"></span>eptional </td></tr><tr><td></td><td class=\"t m0 x548 h28 y296a ff53 fs19 fc3 sc0 lsc2 wsdb\">Adju<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y296a ff56 fs19 fc2 sc0 ls95 wsdf\">ite<span class=\"_ _6\"></span>ms<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y296b ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a6 h28 y296b ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y296c ff54 fs3 fc2 sc0 lsd4 wsf8\">Adjusted earnings<span class=\"_ _0\"></span> per share<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> continuing operations<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4a0 h28 y296c ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y296c ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y296d w2bd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year f<span class=\"_ _6\"></span>rom co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x549 y296d w71 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">46<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x54a y296d w1e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y296e w2d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Less i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>f defe<span class=\"_ _6\"></span>rred t<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>x<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x54b y296e w2a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x54c y296e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y296f w2da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Less exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y296f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fc y296f w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2970 w2db h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Adjusted pr<span class=\"_ _0\"></span>ofit for<span class=\"_ _0\"></span> the y<span class=\"_ _0\"></span>ear from<span class=\"_ _0\"></span> continuing operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x54d y2970 w2dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">1<span class=\"_ _6\"></span>9.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x54e y2970 w2dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2971 w2be h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>ic we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted aver<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>ber o<span class=\"_ _6\"></span>f ordi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res in is<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>e (mill<span class=\"_ _6\"></span>ion)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x54f y2971 w2bf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">314<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x550 y2971 w2de h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">3<span class=\"_ _6\"></span>42<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2972 w2df h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>ic a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>d ear<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>er sh<span class=\"_ _6\"></span>are f<span class=\"_ _6\"></span>rom co<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>nui<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x551 y2972 w33 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">6.3p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x552 y2972 w89 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8p<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2973 w2bd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year f<span class=\"_ _6\"></span>rom co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ing o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x549 y2973 w71 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">46<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x54a y2973 w1e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2974 w2d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Less i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>f defe<span class=\"_ _6\"></span>rred t<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>x<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x54b y2974 w2a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(26.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x54c y2974 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2975 w2da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Less exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2975 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4fc y2975 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b8 w2db h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Adjusted pr<span class=\"_ _0\"></span>ofit for<span class=\"_ _0\"></span> the y<span class=\"_ _0\"></span>ear from<span class=\"_ _0\"></span> continuing operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x54d y28b8 w2dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">1<span class=\"_ _6\"></span>9.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x54e y28b8 w2dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w2c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ted we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted aver<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>ber o<span class=\"_ _6\"></span>f ordi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res in is<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>e (mill<span class=\"_ _6\"></span>ion)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x553 y28b9 w2c5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">328<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x554 y28b9 w2c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>82.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Diluted adjusted t<span class=\"_ _0\"></span>otal earnings per<span class=\"_ _0\"></span> share<span class=\"_ _0\"></span> from c<span class=\"_ _0\"></span>ontinuing operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x555 y280f w2e1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">6<span class=\"_ _6\"></span>.1<span class=\"_ _5\"></span>p<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x556 y280f w2e2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8p</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-404": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls2b ws33 gs5a4\">10.<span class=\"_ _0\"></span> Intangible assets<span class=\"_ _2f2\"> </span></div><div class=\"gs51f\"><table class=\"s w2e3 hba\" id=\"_87b5ada6-689b-48c0-b19b-186ae6dba0c3\"><tr><td></td><td class=\"t m0 x557 h28 y2976 ff56 fs19 fc2 sc0 lscb wsef\">Capitalised<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x558 h28 y2977 ff56 fs19 fc2 sc0 lsc8 wsec\">dev<span class=\"_ _0\"></span>elopment<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x559 h28 y2977 ff56 fs19 fc2 sc0 lsca wsee\">Computer<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24e h28 y2977 ff56 fs19 fc2 sc0 lscb wsef\">Other<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x472 h28 y2978 ff56 fs19 fc2 sc0 ls136 ws165\">costs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x41c h28 y2978 ff55 fs19 fc2 sc0 ls108 ws12f\">sof<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>are<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x55a h28 y2978 ff55 fs19 fc2 sc0 lsc9 wsed\">intangibles<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2978 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x476 h28 y2979 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y2979 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2979 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2979 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y297a ff54 fs3 fc2 sc0 ls6c wsf9\">Cost<span class=\"_ _222\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _87\"> </span> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y297b w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x55b y297b w2e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">61<span class=\"_ _6\"></span>.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x55c y297b wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x55d y297b w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x55e y297b w2e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">62.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y297c w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x55f y297c w1a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x560 y297c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x561 y297c w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4b0 y297c we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y297d w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x562 y297d wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x563 y297d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x564 y297d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x565 y297d wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y297e w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y297e w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x567 y297e w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x568 y297e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x569 y297e w2ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y297f w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56a y297f w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y297f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56c y297f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56d y297f w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2980 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56e y2980 w1d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">50.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56f y2980 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x564 y2980 w238 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x570 y2980 w2f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">51.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2981 w2f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56e y2981 w1d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">50.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56f y2981 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x564 y2981 w238 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x570 y2981 w2f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">51.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2982 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x571 y2982 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x278 y2982 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x572 y2982 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50c y2982 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2983 w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x573 y2983 w2f2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">8.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x574 y2983 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x575 y2983 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x576 y2983 w2f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">8.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2984 w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y2984 w2f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(3<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x577 y2984 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c3 y2984 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x578 y2984 w2f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(<span class=\"_ _6\"></span>3.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2985 w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x579 y2985 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57a y2985 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57b y2985 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57c y2985 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2986 w2f5 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57d y2987 w2f6 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls69 wsb9\">5<span class=\"_ _6\"></span>5.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57e y2987 w2a0 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57f y2987 wb0 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x580 y2987 w2f7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 lse5 ws10c\">5<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2988 ff54 fs3 fc2 sc0 lsd4 wsf8\">Accumulat<span class=\"_ _0\"></span>ed amortisation<span class=\"_ _14a\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _87\"> </span> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2989 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x581 y2989 w2f8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>8.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x582 y2989 w2f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x583 y2989 w2fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1<span class=\"_ _6\"></span>.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x584 y2989 w25 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>9.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298a w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x585 y298a we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x586 y298a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x587 y298a w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x588 y298a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298b w2fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>arge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x589 y298b w2fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">9.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58a y298b we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y298b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y298b w83 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298c w2fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt (excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>tem)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58c y298c w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58d y298c w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58e y298c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58f y298c w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298d w2fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x590 y298d wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x591 y298d w2ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56c y298d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x592 y298d w300 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298e w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y298e w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x567 y298e w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x568 y298e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x593 y298e w301 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4<span class=\"_ _6\"></span>.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298f w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56a y298f w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y298f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56c y298f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56d y298f w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2990 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x594 y2990 w302 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x595 y2990 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2990 w2a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x596 y2990 wef h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2991 w2f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At <span>1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025<span class=\"_ _2f2\"> </span></span></div></td><td class=\"c n x597 y2991 w302 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x598 y2991 w2ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x25a y2991 w303 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x599 y2991 wef h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">30.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2992 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x571 y2992 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x278 y2992 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x572 y2992 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50c y2992 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2993 w2fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>arge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x589 y2993 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59a y2993 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59b y2993 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59c y2993 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2994 w2fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59d y2994 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59e y2994 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59f y2994 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a0 y2994 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2995 w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y2995 w2f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(3<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x577 y2995 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c3 y2995 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x578 y2995 w2f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(<span class=\"_ _6\"></span>3.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2996 w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a1 y2997 w2b4 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">34.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a2 y2997 w237 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a3 y2997 wb0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a4 y2997 w1fc h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">35.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2998 ff54 fs3 fc2 sc0 lsd4 wsf8\">Carrying amount<span class=\"_ _e3\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span> <span class=\"_ _9a\"> </span> <span class=\"_ _9a\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2999 w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a5 y299a w304 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls6c wsf9\">21.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a6 y299a w237 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a7 y299a w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a8 y299a w305 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">21.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27e6 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a9 y27e6 wa1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">21<span class=\"_ _6\"></span>.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5aa y27e6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c9 y27e6 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ab y27e6 w306 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">21.2<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5a5\">Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year e<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025 \u00a3ni<span class=\"_ _6\"></span>l (202<span class=\"_ _0\"></span>4: \u00a30.3 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion) of i<span class=\"_ _6\"></span>nta<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s were im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>red i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Flexi<span class=\"_ _6\"></span>Pay Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5a6\">Un<span class=\"_ _6\"></span>it re<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d to pro<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d as a resu<span class=\"_ _6\"></span>lt o<span class=\"_ _6\"></span>f the s<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e were t<span class=\"_ _6\"></span>reate<span class=\"_ _6\"></span>d as an exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>tem (se<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5a7\">no<span class=\"_ _6\"></span>te 4)<span class=\"_ _0\"></span>. A fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r \u00a30.8 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on of i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gib<span class=\"_ _6\"></span>les we<span class=\"_ _6\"></span>re imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red in 2024 rela<span class=\"_ _6\"></span>ted to c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d devel<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t sp<span class=\"_ _6\"></span>end a<span class=\"_ _6\"></span>nd so<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re no </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs5a8\">lo<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>r in us<span class=\"_ _6\"></span>e.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-437": {
   "value": "10.<span class=\"_ _0\"></span> Intangible assets<span class=\"_ _2f2\"> </span><table class=\"s w2e3 hba\" id=\"_87b5ada6-689b-48c0-b19b-186ae6dba0c3\"><tr><td></td><td class=\"t m0 x557 h28 y2976 ff56 fs19 fc2 sc0 lscb wsef\">Capitalised<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x558 h28 y2977 ff56 fs19 fc2 sc0 lsc8 wsec\">dev<span class=\"_ _0\"></span>elopment<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x559 h28 y2977 ff56 fs19 fc2 sc0 lsca wsee\">Computer<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24e h28 y2977 ff56 fs19 fc2 sc0 lscb wsef\">Other<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x472 h28 y2978 ff56 fs19 fc2 sc0 ls136 ws165\">costs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x41c h28 y2978 ff55 fs19 fc2 sc0 ls108 ws12f\">sof<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>are<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x55a h28 y2978 ff55 fs19 fc2 sc0 lsc9 wsed\">intangibles<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2978 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x476 h28 y2979 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y2979 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2979 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2979 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y297a ff54 fs3 fc2 sc0 ls6c wsf9\">Cost<span class=\"_ _222\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _87\"> </span> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y297b w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x55b y297b w2e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">61<span class=\"_ _6\"></span>.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x55c y297b wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x55d y297b w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x55e y297b w2e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">62.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y297c w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x55f y297c w1a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x560 y297c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x561 y297c w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4b0 y297c we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y297d w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x562 y297d wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x563 y297d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x564 y297d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x565 y297d wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y297e w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y297e w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x567 y297e w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x568 y297e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x569 y297e w2ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y297f w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56a y297f w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y297f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56c y297f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56d y297f w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2980 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56e y2980 w1d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">50.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56f y2980 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x564 y2980 w238 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x570 y2980 w2f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">51.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2981 w2f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56e y2981 w1d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">50.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56f y2981 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x564 y2981 w238 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x570 y2981 w2f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">51.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2982 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x571 y2982 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x278 y2982 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x572 y2982 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50c y2982 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2983 w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x573 y2983 w2f2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">8.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x574 y2983 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x575 y2983 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x576 y2983 w2f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">8.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2984 w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y2984 w2f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(3<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x577 y2984 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c3 y2984 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x578 y2984 w2f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(<span class=\"_ _6\"></span>3.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2985 w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x579 y2985 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57a y2985 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57b y2985 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57c y2985 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2986 w2f5 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57d y2987 w2f6 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls69 wsb9\">5<span class=\"_ _6\"></span>5.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57e y2987 w2a0 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57f y2987 wb0 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x580 y2987 w2f7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 lse5 ws10c\">5<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2988 ff54 fs3 fc2 sc0 lsd4 wsf8\">Accumulat<span class=\"_ _0\"></span>ed amortisation<span class=\"_ _14a\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _87\"> </span> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2989 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x581 y2989 w2f8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>8.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x582 y2989 w2f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x583 y2989 w2fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1<span class=\"_ _6\"></span>.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x584 y2989 w25 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>9.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298a w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x585 y298a we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x586 y298a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x587 y298a w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x588 y298a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298b w2fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>arge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x589 y298b w2fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">9.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58a y298b we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y298b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y298b w83 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298c w2fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt (excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>tem)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58c y298c w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58d y298c w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58e y298c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58f y298c w80 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298d w2fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x590 y298d wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x591 y298d w2ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56c y298d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x592 y298d w300 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298e w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y298e w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x567 y298e w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x568 y298e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x593 y298e w301 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4<span class=\"_ _6\"></span>.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y298f w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56a y298f w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y298f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56c y298f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56d y298f w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2990 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x594 y2990 w302 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x595 y2990 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2990 w2a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x596 y2990 wef h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2991 w2f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At <span>1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025<span class=\"_ _2f2\"> </span></span></div></td><td class=\"c n x597 y2991 w302 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x598 y2991 w2ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x25a y2991 w303 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x599 y2991 wef h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">30.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2992 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x571 y2992 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x278 y2992 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x572 y2992 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50c y2992 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2993 w2fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>arge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x589 y2993 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59a y2993 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59b y2993 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59c y2993 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2994 w2fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59d y2994 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59e y2994 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x59f y2994 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a0 y2994 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2995 w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y2995 w2f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(3<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x577 y2995 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c3 y2995 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x578 y2995 w2f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(<span class=\"_ _6\"></span>3.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2996 w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a1 y2997 w2b4 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">34.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a2 y2997 w237 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a3 y2997 wb0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a4 y2997 w1fc h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">35.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2998 ff54 fs3 fc2 sc0 lsd4 wsf8\">Carrying amount<span class=\"_ _e3\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span> <span class=\"_ _9a\"> </span> <span class=\"_ _9a\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2999 w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a5 y299a w304 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls6c wsf9\">21.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a6 y299a w237 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a7 y299a w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a8 y299a w305 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">21.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27e6 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a9 y27e6 wa1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">21<span class=\"_ _6\"></span>.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5aa y27e6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c9 y27e6 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ab y27e6 w306 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">21.2<span class=\"_ _2f2\"> </span></div></td></tr></table>Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year e<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025 \u00a3ni<span class=\"_ _6\"></span>l (202<span class=\"_ _0\"></span>4: \u00a30.3 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion) of i<span class=\"_ _6\"></span>nta<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s were im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>red i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Flexi<span class=\"_ _6\"></span>Pay Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess Un<span class=\"_ _6\"></span>it re<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d to pro<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d as a resu<span class=\"_ _6\"></span>lt o<span class=\"_ _6\"></span>f the s<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e were t<span class=\"_ _6\"></span>reate<span class=\"_ _6\"></span>d as an exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>tem (se<span class=\"_ _6\"></span>e no<span class=\"_ _6\"></span>te 4)<span class=\"_ _0\"></span>. A fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r \u00a30.8 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on of i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gib<span class=\"_ _6\"></span>les we<span class=\"_ _6\"></span>re imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red in 2024 rela<span class=\"_ _6\"></span>ted to c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d devel<span class=\"_ _6\"></span>op<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t sp<span class=\"_ _6\"></span>end a<span class=\"_ _6\"></span>nd so<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>re no lo<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>r in us<span class=\"_ _6\"></span>e.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-405": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls7 ws7 gs5aa\">11. Pr<span class=\"_ _0\"></span>oper<span class=\"_ _6\"></span>ty<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span> plant and equipment, right<span class=\"_ _b\"></span>-<span class=\"_ _6\"></span>of<span class=\"_ _0\"></span>-use<span class=\"_ _0\"></span> assets and<span class=\"_ _0\"></span> lease liabilities<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5ab\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t-of-u<span class=\"_ _6\"></span>se as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>ise p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es he<span class=\"_ _6\"></span>ld by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. In<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n abo<span class=\"_ _6\"></span>ut l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es for w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h the </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5ac\">Gro<span class=\"_ _6\"></span>up is a l<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ee is p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d bel<span class=\"_ _6\"></span>ow.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs5ad\">Analysi<span class=\"_ _0\"></span>s of<span class=\"_ _0\"></span> property<span class=\"_ _0\"></span>, plant<span class=\"_ _0\"></span> and<span class=\"_ _0\"></span> equipment <span class=\"_ _0\"></span>between o<span class=\"_ _0\"></span>wned<span class=\"_ _0\"></span> and lea<span class=\"_ _0\"></span>sed a<span class=\"_ _0\"></span>ssets<span class=\"_ _2f2\"> </span></div><div class=\"gs5ae\"><table class=\"s w307 hbb\" id=\"_934a455c-67e9-4e47-a93b-b3c0aaab8ad5\"><tr><td></td><td class=\"t m0 x49f h28 y299b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y299b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y299c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y299c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y299d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y299d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y299e w308 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prop<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent (own<span class=\"_ _6\"></span>ed)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ac y299e wd4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ad y299e w69 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w309 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">Right-of<span class=\"_ _0\"></span>-u<span class=\"_ _0\"></span>se ass<span class=\"_ _0\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ae y28e0 w30a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">5.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5af y28e0 w30b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">6<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x5b0 y280f wa4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5b1 y280f wa5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.6<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs5af\">Reconciliation of <span class=\"_ _0\"></span>amount recognised<span class=\"_ _0\"></span> in the balance<span class=\"_ _0\"></span> sheet<span class=\"_ _2f2\"> </span></div><div class=\"gs5b0\"><table class=\"s w30c hbc\" id=\"_3c25987a-5531-4b9d-8b96-8cad1c26c727\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x5b2 h28 y299f ff55 fs19 fc2 sc0 lsc9 wsed\">Right-of<span class=\"_ _0\"></span>-use<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2a2 h28 y29a0 ff55 fs19 fc2 sc0 lsca wsee\">Leasehold<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b3 h28 y29a0 ff56 fs19 fc2 sc0 lsca wsee\">Computer<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2ae h28 y29a0 ff56 fs19 fc2 sc0 lsc9 wsed\">Furniture<span class=\"_ _0\"></span> and<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b4 h28 y29a0 ff56 fs19 fc2 sc0 ls3e ws48\">assets<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x5b5 h28 y29a1 ff56 fs19 fc2 sc0 lsca wsee\">impro<span class=\"_ _0\"></span>vements<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b6 h28 y29a1 ff55 fs19 fc2 sc0 lsca wsee\">equipment<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b7 h28 y29a1 ff56 fs19 fc2 sc0 ls108 ws12f\">fi<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b1 h28 y29a1 ff55 fs19 fc2 sc0 lsc8 wsec\">(propert<span class=\"_ _6\"></span>y)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a6 h28 y29a1 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x5b8 h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b9 h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y29a3 ff54 fs3 fc2 sc0 ls12 ws16\">Co<span class=\"_ _6\"></span>st <span class=\"_ _24e\"> </span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _87\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29a4 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ba y29a4 w30d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bb y29a4 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bc y29a4 w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bd y29a4 w30e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">32.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5be y29a4 w30f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">42<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29a5 w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bf y29a5 w310 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(3.<span class=\"_ _0\"></span>7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y29a5 w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c0 y29a5 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c1 y29a5 w312 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(9.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c2 y29a5 w313 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(<span class=\"_ _6\"></span>14<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29a6 w314 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se modificat<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c3 y29a6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c4 y29a6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x577 y29a6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c5 y29a6 w315 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">5<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c6 y29a6 w316 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">5.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29a7 w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c7 y29a7 w317 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c8 y29a7 w318 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x365 y29a7 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y29a7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a6 y29a7 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y29a8 ff55 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xchan<span class=\"_ _6\"></span>ge d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ash </td><td class=\"c n x5c9 y29a9 w319 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ca y29a9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cb y29a9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cc y29a9 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cd y29a9 w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y29aa ff56 fs3 fc2 sc0 lsd1 wsf5\">mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29ab w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ce y29ab w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cf y29ab w31a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.<span class=\"_ _6\"></span>0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cc y29ab w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d0 y29ab w31b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d1 y29ab w31c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(12.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ac w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d2 y29ac w118 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d3 y29ac w1b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d4 y29ac w31d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d5 y29ac w31e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1<span class=\"_ _6\"></span>8.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x243 y29ac w31f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls46 ws50\">24<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ad w2f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d6 y29ad w320 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d7 y29ad w1b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d8 y29ad w225 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d9 y29ad w306 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">18.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x42f y29ad w321 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls46 ws50\">24<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ae w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5da y29ae w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5db y29ae w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dc y29ae w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dd y29ae w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x467 y29ae w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29af w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c7 y29af w11a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5de y29af w11a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y29af w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5df y29af w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x33f y29af wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b0 w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e0 y29b1 w322 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">3.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e1 y29b1 w323 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">1.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e2 y29b1 w324 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e3 y29b1 w325 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">1<span class=\"_ _6\"></span>8.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e4 y29b1 w326 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2a ws39\">24.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y29b2 ff54 fs3 fc2 sc0 lsdd ws90\">Acc<span class=\"_ _0\"></span>umulated<span class=\"_ _0\"></span> depreciati<span class=\"_ _0\"></span>on <span class=\"_ _23c\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29b3 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ba y29b3 w327 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e5 y29b3 w328 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e6 y29b3 w329 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">2.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e7 y29b3 w32a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">29.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e8 y29b3 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b4 w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bf y29b4 w310 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(3.<span class=\"_ _0\"></span>7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y29b4 w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c0 y29b4 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c1 y29b4 w312 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(9.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c2 y29b4 w313 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(<span class=\"_ _6\"></span>14<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b5 w2fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>arge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e9 y29b5 w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ea y29b5 w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5eb y29b5 w2ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ec y29b5 w329 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">2.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ed y29b5 w118 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b6 w2fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ee y29b6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ef y29b6 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x31f y29b6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f0 y29b6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f1 y29b6 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b7 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y29b7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f3 y29b7 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f4 y29b7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f5 y29b7 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f6 y29b7 w2ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b8 w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ce y29b8 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cf y29b8 w31a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.<span class=\"_ _6\"></span>0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cc y29b8 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f7 y29b8 w32b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f8 y29b8 w1b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(11.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b9 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f9 y29b9 w32c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fa y29b9 w32d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fb y29b9 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fc y29b9 w32e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">11<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fd y29b9 w32f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">14.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ba w2f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fe y29ba w330 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ff y29ba w331 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x600 y29ba wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x601 y29ba w32e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">11<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x602 y29ba w332 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>4.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29bb w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5da y29bb w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5db y29bb w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dc y29bb w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dd y29bb w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x467 y29bb w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29bc w2fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>arge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e9 y29bc w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ea y29bc w161 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57a y29bc w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x603 y29bc w333 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x604 y29bc w27e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29bd w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x605 y29be w334 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x606 y29be w253 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2a ws39\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x607 y29be wb4 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x608 y29be w247 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">12.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x609 y29be w335 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>6<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y29bf ff54 fs3 fc2 sc0 lsd4 wsf8\">Carrying amount<span class=\"_ _251\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _ff\"> </span> <span class=\"_ _9a\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _9a\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29c0 w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x605 y29c1 w336 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">1.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60a y29c1 w12b h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60b y29c1 w237 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60c y29c1 w30a h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">5.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60d y29c1 w337 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27e6 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60e y27e6 w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60f y27e6 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x610 y27e6 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x611 y27e6 w30b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">6<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x612 y27e6 w338 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.6<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5b1\">In Fe<span class=\"_ _6\"></span>bru<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024, the G<span class=\"_ _6\"></span>roup s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>n ame<span class=\"_ _6\"></span>ndm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t to sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e lea<span class=\"_ _6\"></span>se ter<span class=\"_ _6\"></span>m on o<span class=\"_ _6\"></span>ne of t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ors to 3<span class=\"_ _6\"></span>0 Ju<span class=\"_ _6\"></span>ne 2024 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2d ws35 gs5b2\">an<span class=\"_ _6\"></span>d ex<span class=\"_ _6\"></span>tend t<span class=\"_ _6\"></span>he ter<span class=\"_ _6\"></span>m on t<span class=\"_ _6\"></span>he ot<span class=\"_ _6\"></span>her f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>or. <span class=\"_ _0\"></span>The m<span class=\"_ _6\"></span>odi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion of t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase wh<span class=\"_ _6\"></span>ich wa<span class=\"_ _6\"></span>s sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>ed res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted in a ne<span class=\"_ _6\"></span>t mo<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n gai<span class=\"_ _6\"></span>n of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5b3\">\u00a30.4 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (wi<span class=\"_ _6\"></span>th a \u00a3<span class=\"_ _6\"></span>1.1 mill<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n le<span class=\"_ _6\"></span>ase l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>d \u00a30.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on red<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on i<span class=\"_ _6\"></span>n rig<span class=\"_ _6\"></span>ht-\u200aof-u<span class=\"_ _6\"></span>se ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>, an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e lea<span class=\"_ _6\"></span>se li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5b4\">an<span class=\"_ _6\"></span>d rig<span class=\"_ _6\"></span>ht-<span class=\"_ _6\"></span>of-use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t net o<span class=\"_ _6\"></span>f accu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n were d<span class=\"_ _6\"></span>erec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d at 3<span class=\"_ _6\"></span>0 Ju<span class=\"_ _6\"></span>ne 202<span class=\"_ _0\"></span>4. The ex<span class=\"_ _5\"></span>tensi<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>rm on t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5b5\">ot<span class=\"_ _6\"></span>her f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>or re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>n an i<span class=\"_ _6\"></span>ncrea<span class=\"_ _6\"></span>se to t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of \u00a3<span class=\"_ _6\"></span>6.4 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n an<span class=\"_ _6\"></span>d rig<span class=\"_ _6\"></span>ht-<span class=\"_ _6\"></span>of-us<span class=\"_ _6\"></span>e asse<span class=\"_ _6\"></span>t of \u00a36<span class=\"_ _6\"></span>.4 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n befo<span class=\"_ _6\"></span>re dep<span class=\"_ _6\"></span>reci<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5b6\">Lease<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ld im<span class=\"_ _6\"></span>provem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns as<span class=\"_ _6\"></span>soci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th re<span class=\"_ _6\"></span>-f<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ret<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>loo<span class=\"_ _6\"></span>r tot<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d \u00a31.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5b8\">Prop<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f \u00a3nil (2024: \u00a30.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) rela<span class=\"_ _6\"></span>ted to t<span class=\"_ _6\"></span>he US b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s was f<span class=\"_ _6\"></span>ull<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red in t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls69 ws2e gs5b9\">Leas<span class=\"_ _0\"></span>e liabilitie<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5ba\">Am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed on t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et we<span class=\"_ _6\"></span>re as foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span></div><div class=\"gs5bb\"><table class=\"s w9d hbd\" id=\"_37122a4b-d656-4667-ba0f-f31f0a7b937e\"><tr><td></td><td class=\"t m0 x24c h28 y29c2 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y29c2 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y29c3 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y29c3 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y29c4 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y29c4 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29c5 w339 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Current<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x613 y29c5 w33a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls81 wsad\">1.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x614 y29c5 w33b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29c6 w33c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Non-current<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x615 y29c6 wdd h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">4.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e5 y29c6 wde h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w268 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsec ws111\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x616 y2810 w33d h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls5 ws43\">6.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x617 y2810 w33e h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5bc\">Am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f com<span class=\"_ _6\"></span>preh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e were as fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>s:<span class=\"_ _2f2\"> </span></div><div class=\"gs5bd\"><table class=\"s w33f hbe\" id=\"_f6364d41-44c8-46ff-a21f-bacd92a446b1\"><tr><td></td><td class=\"t m0 x24c h28 y29c7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y29c7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y29c8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y29c8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y29c9 ff56 fs19 fc2 sc0 lsc9 wsed\">Continuing operations<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y29c9 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y29c9 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29ca w340 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cha<span class=\"_ _6\"></span>rge of r<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ht-o<span class=\"_ _6\"></span>f-use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts (p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x618 y29ca w341 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">1.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x619 y29ca w342 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">1.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29cb w343 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gai<span class=\"_ _6\"></span>n on m<span class=\"_ _6\"></span>odi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f lea<span class=\"_ _6\"></span>se li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3bf y29cb w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cd y29cb w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w344 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e (inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng exp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ses)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61a y280f wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x22a y280f w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5be\">The to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>sh ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>low fo<span class=\"_ _6\"></span>r le<span class=\"_ _6\"></span>ases (excl<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>ng sh<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t-ter<span class=\"_ _6\"></span>m and l<span class=\"_ _6\"></span>ow val<span class=\"_ _6\"></span>ue l<span class=\"_ _6\"></span>ease<span class=\"_ _6\"></span>s) in 2025 was \u00a31<span class=\"_ _6\"></span>.9 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a33<span class=\"_ _6\"></span>.6 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5bf\">A ma<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ana<span class=\"_ _6\"></span>lysi<span class=\"_ _6\"></span>s ill<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he un<span class=\"_ _6\"></span>dis<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nted c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows of l<span class=\"_ _6\"></span>ease l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e liq<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5c0\">dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sure w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin n<span class=\"_ _6\"></span>ote 1<span class=\"_ _6\"></span>6.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5c1\">As a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2025, the p<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ial f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure u<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>sh ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s tha<span class=\"_ _6\"></span>t have no<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>en in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ease l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y d<span class=\"_ _6\"></span>ue to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5c2\">la<span class=\"_ _6\"></span>ck of rea<span class=\"_ _6\"></span>son<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y the l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns mi<span class=\"_ _6\"></span>ght b<span class=\"_ _6\"></span>e exerci<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d to \u00a38<span class=\"_ _6\"></span>.8 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a38<span class=\"_ _6\"></span>.8 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-465": {
   "value": "11. Pr<span class=\"_ _0\"></span>oper<span class=\"_ _6\"></span>ty<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span> plant and equipment, right<span class=\"_ _b\"></span>-<span class=\"_ _6\"></span>of<span class=\"_ _0\"></span>-use<span class=\"_ _0\"></span> assets and<span class=\"_ _0\"></span> lease liabilities<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t-of-u<span class=\"_ _6\"></span>se as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>ise p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es he<span class=\"_ _6\"></span>ld by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. In<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n abo<span class=\"_ _6\"></span>ut l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es for w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h the Gro<span class=\"_ _6\"></span>up is a l<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ee is p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d bel<span class=\"_ _6\"></span>ow.<span class=\"_ _2f2\"> </span>Analysi<span class=\"_ _0\"></span>s of<span class=\"_ _0\"></span> property<span class=\"_ _0\"></span>, plant<span class=\"_ _0\"></span> and<span class=\"_ _0\"></span> equipment <span class=\"_ _0\"></span>between o<span class=\"_ _0\"></span>wned<span class=\"_ _0\"></span> and lea<span class=\"_ _0\"></span>sed a<span class=\"_ _0\"></span>ssets<span class=\"_ _2f2\"> </span><table class=\"s w307 hbb\" id=\"_934a455c-67e9-4e47-a93b-b3c0aaab8ad5\"><tr><td></td><td class=\"t m0 x49f h28 y299b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y299b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y299c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y299c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y299d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y299d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y299e w308 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prop<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent (own<span class=\"_ _6\"></span>ed)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ac y299e wd4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ad y299e w69 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w309 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">Right-of<span class=\"_ _0\"></span>-u<span class=\"_ _0\"></span>se ass<span class=\"_ _0\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ae y28e0 w30a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">5.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5af y28e0 w30b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">6<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x5b0 y280f wa4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5b1 y280f wa5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.6<span class=\"_ _2f2\"> </span></div></td></tr></table>Reconciliation of <span class=\"_ _0\"></span>amount recognised<span class=\"_ _0\"></span> in the balance<span class=\"_ _0\"></span> sheet<span class=\"_ _2f2\"> </span><table class=\"s w30c hbc\" id=\"_3c25987a-5531-4b9d-8b96-8cad1c26c727\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x5b2 h28 y299f ff55 fs19 fc2 sc0 lsc9 wsed\">Right-of<span class=\"_ _0\"></span>-use<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2a2 h28 y29a0 ff55 fs19 fc2 sc0 lsca wsee\">Leasehold<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b3 h28 y29a0 ff56 fs19 fc2 sc0 lsca wsee\">Computer<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2ae h28 y29a0 ff56 fs19 fc2 sc0 lsc9 wsed\">Furniture<span class=\"_ _0\"></span> and<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b4 h28 y29a0 ff56 fs19 fc2 sc0 ls3e ws48\">assets<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x5b5 h28 y29a1 ff56 fs19 fc2 sc0 lsca wsee\">impro<span class=\"_ _0\"></span>vements<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b6 h28 y29a1 ff55 fs19 fc2 sc0 lsca wsee\">equipment<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b7 h28 y29a1 ff56 fs19 fc2 sc0 ls108 ws12f\">fi<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b1 h28 y29a1 ff55 fs19 fc2 sc0 lsc8 wsec\">(propert<span class=\"_ _6\"></span>y)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a6 h28 y29a1 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x5b8 h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b9 h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y29a3 ff54 fs3 fc2 sc0 ls12 ws16\">Co<span class=\"_ _6\"></span>st <span class=\"_ _24e\"> </span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _87\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29a4 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ba y29a4 w30d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bb y29a4 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bc y29a4 w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bd y29a4 w30e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">32.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5be y29a4 w30f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">42<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29a5 w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bf y29a5 w310 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(3.<span class=\"_ _0\"></span>7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y29a5 w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c0 y29a5 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c1 y29a5 w312 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(9.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c2 y29a5 w313 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(<span class=\"_ _6\"></span>14<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29a6 w314 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se modificat<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c3 y29a6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c4 y29a6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x577 y29a6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c5 y29a6 w315 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">5<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c6 y29a6 w316 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">5.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29a7 w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c7 y29a7 w317 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c8 y29a7 w318 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x365 y29a7 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y29a7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a6 y29a7 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y29a8 ff55 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xchan<span class=\"_ _6\"></span>ge d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ash </td><td class=\"c n x5c9 y29a9 w319 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ca y29a9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cb y29a9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cc y29a9 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cd y29a9 w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y29aa ff56 fs3 fc2 sc0 lsd1 wsf5\">mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29ab w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ce y29ab w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cf y29ab w31a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.<span class=\"_ _6\"></span>0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cc y29ab w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d0 y29ab w31b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d1 y29ab w31c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(12.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ac w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d2 y29ac w118 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d3 y29ac w1b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d4 y29ac w31d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d5 y29ac w31e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1<span class=\"_ _6\"></span>8.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x243 y29ac w31f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls46 ws50\">24<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ad w2f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d6 y29ad w320 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d7 y29ad w1b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d8 y29ad w225 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d9 y29ad w306 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">18.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x42f y29ad w321 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls46 ws50\">24<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ae w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5da y29ae w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5db y29ae w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dc y29ae w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dd y29ae w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x467 y29ae w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29af w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c7 y29af w11a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5de y29af w11a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y29af w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5df y29af w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x33f y29af wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b0 w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e0 y29b1 w322 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">3.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e1 y29b1 w323 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">1.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e2 y29b1 w324 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e3 y29b1 w325 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">1<span class=\"_ _6\"></span>8.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e4 y29b1 w326 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2a ws39\">24.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y29b2 ff54 fs3 fc2 sc0 lsdd ws90\">Acc<span class=\"_ _0\"></span>umulated<span class=\"_ _0\"></span> depreciati<span class=\"_ _0\"></span>on <span class=\"_ _23c\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29b3 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ba y29b3 w327 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e5 y29b3 w328 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e6 y29b3 w329 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">2.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e7 y29b3 w32a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">29.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e8 y29b3 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b4 w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bf y29b4 w310 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(3.<span class=\"_ _0\"></span>7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y29b4 w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c0 y29b4 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c1 y29b4 w312 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(9.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c2 y29b4 w313 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(<span class=\"_ _6\"></span>14<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b5 w2fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>arge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e9 y29b5 w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ea y29b5 w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5eb y29b5 w2ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ec y29b5 w329 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">2.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ed y29b5 w118 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b6 w2fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ee y29b6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ef y29b6 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x31f y29b6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f0 y29b6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f1 y29b6 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b7 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y29b7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f3 y29b7 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f4 y29b7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f5 y29b7 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f6 y29b7 w2ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b8 w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ce y29b8 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cf y29b8 w31a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.<span class=\"_ _6\"></span>0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cc y29b8 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f7 y29b8 w32b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f8 y29b8 w1b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(11.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b9 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f9 y29b9 w32c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fa y29b9 w32d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fb y29b9 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fc y29b9 w32e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">11<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fd y29b9 w32f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">14.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ba w2f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fe y29ba w330 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ff y29ba w331 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x600 y29ba wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x601 y29ba w32e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">11<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x602 y29ba w332 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>4.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29bb w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5da y29bb w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5db y29bb w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dc y29bb w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dd y29bb w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x467 y29bb w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29bc w2fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>arge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e9 y29bc w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ea y29bc w161 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57a y29bc w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x603 y29bc w333 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x604 y29bc w27e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29bd w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x605 y29be w334 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x606 y29be w253 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2a ws39\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x607 y29be wb4 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x608 y29be w247 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">12.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x609 y29be w335 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>6<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y29bf ff54 fs3 fc2 sc0 lsd4 wsf8\">Carrying amount<span class=\"_ _251\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _ff\"> </span> <span class=\"_ _9a\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _9a\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29c0 w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x605 y29c1 w336 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">1.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60a y29c1 w12b h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60b y29c1 w237 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60c y29c1 w30a h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">5.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60d y29c1 w337 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27e6 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60e y27e6 w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60f y27e6 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x610 y27e6 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x611 y27e6 w30b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">6<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x612 y27e6 w338 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.6<span class=\"_ _2f2\"> </span></div></td></tr></table>In Fe<span class=\"_ _6\"></span>bru<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024, the G<span class=\"_ _6\"></span>roup s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>n ame<span class=\"_ _6\"></span>ndm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t to sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e lea<span class=\"_ _6\"></span>se ter<span class=\"_ _6\"></span>m on o<span class=\"_ _6\"></span>ne of t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ors to 3<span class=\"_ _6\"></span>0 Ju<span class=\"_ _6\"></span>ne 2024 an<span class=\"_ _6\"></span>d ex<span class=\"_ _6\"></span>tend t<span class=\"_ _6\"></span>he ter<span class=\"_ _6\"></span>m on t<span class=\"_ _6\"></span>he ot<span class=\"_ _6\"></span>her f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>or. <span class=\"_ _0\"></span>The m<span class=\"_ _6\"></span>odi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion of t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase wh<span class=\"_ _6\"></span>ich wa<span class=\"_ _6\"></span>s sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>ed res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted in a ne<span class=\"_ _6\"></span>t mo<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n gai<span class=\"_ _6\"></span>n of \u00a30.4 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (wi<span class=\"_ _6\"></span>th a \u00a3<span class=\"_ _6\"></span>1.1 mill<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n le<span class=\"_ _6\"></span>ase l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>d \u00a30.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on red<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on i<span class=\"_ _6\"></span>n rig<span class=\"_ _6\"></span>ht-\u200aof-u<span class=\"_ _6\"></span>se ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>, an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e lea<span class=\"_ _6\"></span>se li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>d rig<span class=\"_ _6\"></span>ht-<span class=\"_ _6\"></span>of-use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t net o<span class=\"_ _6\"></span>f accu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n were d<span class=\"_ _6\"></span>erec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d at 3<span class=\"_ _6\"></span>0 Ju<span class=\"_ _6\"></span>ne 202<span class=\"_ _0\"></span>4. The ex<span class=\"_ _5\"></span>tensi<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>rm on t<span class=\"_ _6\"></span>he ot<span class=\"_ _6\"></span>her f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>or re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>n an i<span class=\"_ _6\"></span>ncrea<span class=\"_ _6\"></span>se to t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of \u00a3<span class=\"_ _6\"></span>6.4 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n an<span class=\"_ _6\"></span>d rig<span class=\"_ _6\"></span>ht-<span class=\"_ _6\"></span>of-us<span class=\"_ _6\"></span>e asse<span class=\"_ _6\"></span>t of \u00a36<span class=\"_ _6\"></span>.4 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n befo<span class=\"_ _6\"></span>re dep<span class=\"_ _6\"></span>reci<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Lease<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ld im<span class=\"_ _6\"></span>provem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns as<span class=\"_ _6\"></span>soci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th re<span class=\"_ _6\"></span>-f<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ret<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>loo<span class=\"_ _6\"></span>r tot<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d \u00a31.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span>Prop<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f \u00a3nil (2024: \u00a30.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) rela<span class=\"_ _6\"></span>ted to t<span class=\"_ _6\"></span>he US b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s was f<span class=\"_ _6\"></span>ull<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red in t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReconciliationOfChangesInPropertyPlantAndEquipmentIncludingRightofuseAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-438": {
   "value": "11. Pr<span class=\"_ _0\"></span>oper<span class=\"_ _6\"></span>ty<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span> plant and equipment, right<span class=\"_ _b\"></span>-<span class=\"_ _6\"></span>of<span class=\"_ _0\"></span>-use<span class=\"_ _0\"></span> assets and<span class=\"_ _0\"></span> lease liabilities<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t-of-u<span class=\"_ _6\"></span>se as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>ise p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es he<span class=\"_ _6\"></span>ld by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. In<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n abo<span class=\"_ _6\"></span>ut l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es for w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h the Gro<span class=\"_ _6\"></span>up is a l<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ee is p<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d bel<span class=\"_ _6\"></span>ow.<span class=\"_ _2f2\"> </span>Analysi<span class=\"_ _0\"></span>s of<span class=\"_ _0\"></span> property<span class=\"_ _0\"></span>, plant<span class=\"_ _0\"></span> and<span class=\"_ _0\"></span> equipment <span class=\"_ _0\"></span>between o<span class=\"_ _0\"></span>wned<span class=\"_ _0\"></span> and lea<span class=\"_ _0\"></span>sed a<span class=\"_ _0\"></span>ssets<span class=\"_ _2f2\"> </span><table class=\"s w307 hbb\" id=\"_934a455c-67e9-4e47-a93b-b3c0aaab8ad5\"><tr><td></td><td class=\"t m0 x49f h28 y299b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y299b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y299c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y299c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y299d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y299d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y299e w308 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prop<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent (own<span class=\"_ _6\"></span>ed)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ac y299e wd4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ad y299e w69 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w309 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">Right-of<span class=\"_ _0\"></span>-u<span class=\"_ _0\"></span>se ass<span class=\"_ _0\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ae y28e0 w30a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">5.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5af y28e0 w30b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">6<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x5b0 y280f wa4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5b1 y280f wa5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.6<span class=\"_ _2f2\"> </span></div></td></tr></table>Reconciliation of <span class=\"_ _0\"></span>amount recognised<span class=\"_ _0\"></span> in the balance<span class=\"_ _0\"></span> sheet<span class=\"_ _2f2\"> </span><table class=\"s w30c hbc\" id=\"_3c25987a-5531-4b9d-8b96-8cad1c26c727\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x5b2 h28 y299f ff55 fs19 fc2 sc0 lsc9 wsed\">Right-of<span class=\"_ _0\"></span>-use<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x2a2 h28 y29a0 ff55 fs19 fc2 sc0 lsca wsee\">Leasehold<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b3 h28 y29a0 ff56 fs19 fc2 sc0 lsca wsee\">Computer<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2ae h28 y29a0 ff56 fs19 fc2 sc0 lsc9 wsed\">Furniture<span class=\"_ _0\"></span> and<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b4 h28 y29a0 ff56 fs19 fc2 sc0 ls3e ws48\">assets<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x5b5 h28 y29a1 ff56 fs19 fc2 sc0 lsca wsee\">impro<span class=\"_ _0\"></span>vements<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b6 h28 y29a1 ff55 fs19 fc2 sc0 lsca wsee\">equipment<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b7 h28 y29a1 ff56 fs19 fc2 sc0 ls108 ws12f\">fi<span class=\"_ _6\"></span>x<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b1 h28 y29a1 ff55 fs19 fc2 sc0 lsc8 wsec\">(propert<span class=\"_ _6\"></span>y)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a6 h28 y29a1 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x5b8 h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b9 h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y29a2 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y29a3 ff54 fs3 fc2 sc0 ls12 ws16\">Co<span class=\"_ _6\"></span>st <span class=\"_ _24e\"> </span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _87\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29a4 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ba y29a4 w30d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bb y29a4 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bc y29a4 w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bd y29a4 w30e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">32.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5be y29a4 w30f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls27 ws69\">42<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29a5 w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bf y29a5 w310 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(3.<span class=\"_ _0\"></span>7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y29a5 w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c0 y29a5 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c1 y29a5 w312 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(9.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c2 y29a5 w313 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(<span class=\"_ _6\"></span>14<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29a6 w314 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se modificat<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c3 y29a6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c4 y29a6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x577 y29a6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c5 y29a6 w315 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">5<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c6 y29a6 w316 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">5.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29a7 w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c7 y29a7 w317 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c8 y29a7 w318 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x365 y29a7 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y29a7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a6 y29a7 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y29a8 ff55 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xchan<span class=\"_ _6\"></span>ge d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ash </td><td class=\"c n x5c9 y29a9 w319 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ca y29a9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cb y29a9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cc y29a9 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cd y29a9 w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y29aa ff56 fs3 fc2 sc0 lsd1 wsf5\">mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29ab w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ce y29ab w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cf y29ab w31a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.<span class=\"_ _6\"></span>0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cc y29ab w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d0 y29ab w31b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d1 y29ab w31c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(12.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ac w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d2 y29ac w118 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d3 y29ac w1b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d4 y29ac w31d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d5 y29ac w31e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1<span class=\"_ _6\"></span>8.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x243 y29ac w31f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls46 ws50\">24<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ad w2f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d6 y29ad w320 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d7 y29ad w1b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d8 y29ad w225 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d9 y29ad w306 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">18.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x42f y29ad w321 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls46 ws50\">24<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ae w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5da y29ae w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5db y29ae w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dc y29ae w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dd y29ae w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x467 y29ae w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29af w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c7 y29af w11a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5de y29af w11a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y29af w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5df y29af w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x33f y29af wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b0 w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e0 y29b1 w322 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">3.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e1 y29b1 w323 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">1.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e2 y29b1 w324 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e3 y29b1 w325 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">1<span class=\"_ _6\"></span>8.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e4 y29b1 w326 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2a ws39\">24.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y29b2 ff54 fs3 fc2 sc0 lsdd ws90\">Acc<span class=\"_ _0\"></span>umulated<span class=\"_ _0\"></span> depreciati<span class=\"_ _0\"></span>on <span class=\"_ _23c\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29b3 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ba y29b3 w327 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e5 y29b3 w328 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e6 y29b3 w329 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">2.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e7 y29b3 w32a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">29.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e8 y29b3 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b4 w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5bf y29b4 w310 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(3.<span class=\"_ _0\"></span>7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x566 y29b4 w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c0 y29b4 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c1 y29b4 w312 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(9.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5c2 y29b4 w313 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(<span class=\"_ _6\"></span>14<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b5 w2fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>arge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e9 y29b5 w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ea y29b5 w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5eb y29b5 w2ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ec y29b5 w329 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">2.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ed y29b5 w118 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b6 w2fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Impairment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ee y29b6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ef y29b6 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x31f y29b6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f0 y29b6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f1 y29b6 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b7 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y29b7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f3 y29b7 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f4 y29b7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f5 y29b7 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f6 y29b7 w2ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b8 w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ce y29b8 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5cf y29b8 w31a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.<span class=\"_ _6\"></span>0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cc y29b8 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f7 y29b8 w32b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f8 y29b8 w1b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(11.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29b9 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f9 y29b9 w32c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fa y29b9 w32d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fb y29b9 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fc y29b9 w32e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">11<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fd y29b9 w32f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">14.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29ba w2f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2025<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5fe y29ba w330 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ff y29ba w331 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x600 y29ba wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x601 y29ba w32e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">11<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x602 y29ba w332 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>4.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29bb w2ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls9c ws36\">Disposal<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5da y29bb w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5db y29bb w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dc y29bb w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dd y29bb w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x467 y29bb w84 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29bc w2fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>arge fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e9 y29bc w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5ea y29bc w161 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x57a y29bc w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x603 y29bc w333 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x604 y29bc w27e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29bd w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x605 y29be w334 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x606 y29be w253 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2a ws39\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x607 y29be wb4 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x608 y29be w247 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">12.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x609 y29be w335 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>6<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y29bf ff54 fs3 fc2 sc0 lsd4 wsf8\">Carrying amount<span class=\"_ _251\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _ff\"> </span> <span class=\"_ _9a\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _9a\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29c0 w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x605 y29c1 w336 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">1.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60a y29c1 w12b h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60b y29c1 w237 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60c y29c1 w30a h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">5.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60d y29c1 w337 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27e6 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60e y27e6 w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60f y27e6 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x610 y27e6 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x611 y27e6 w30b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">6<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x612 y27e6 w338 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.6<span class=\"_ _2f2\"> </span></div></td></tr></table>In Fe<span class=\"_ _6\"></span>bru<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024, the G<span class=\"_ _6\"></span>roup s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>n ame<span class=\"_ _6\"></span>ndm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t to sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e lea<span class=\"_ _6\"></span>se ter<span class=\"_ _6\"></span>m on o<span class=\"_ _6\"></span>ne of t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ors to 3<span class=\"_ _6\"></span>0 Ju<span class=\"_ _6\"></span>ne 2024 an<span class=\"_ _6\"></span>d ex<span class=\"_ _6\"></span>tend t<span class=\"_ _6\"></span>he ter<span class=\"_ _6\"></span>m on t<span class=\"_ _6\"></span>he ot<span class=\"_ _6\"></span>her f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>or. <span class=\"_ _0\"></span>The m<span class=\"_ _6\"></span>odi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion of t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase wh<span class=\"_ _6\"></span>ich wa<span class=\"_ _6\"></span>s sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>ed res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted in a ne<span class=\"_ _6\"></span>t mo<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n gai<span class=\"_ _6\"></span>n of \u00a30.4 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (wi<span class=\"_ _6\"></span>th a \u00a3<span class=\"_ _6\"></span>1.1 mill<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n le<span class=\"_ _6\"></span>ase l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>d \u00a30.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on red<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on i<span class=\"_ _6\"></span>n rig<span class=\"_ _6\"></span>ht-\u200aof-u<span class=\"_ _6\"></span>se ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>, an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e lea<span class=\"_ _6\"></span>se li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>d rig<span class=\"_ _6\"></span>ht-<span class=\"_ _6\"></span>of-use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>t net o<span class=\"_ _6\"></span>f accu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n were d<span class=\"_ _6\"></span>erec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d at 3<span class=\"_ _6\"></span>0 Ju<span class=\"_ _6\"></span>ne 202<span class=\"_ _0\"></span>4. The ex<span class=\"_ _5\"></span>tensi<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>rm on t<span class=\"_ _6\"></span>he ot<span class=\"_ _6\"></span>her f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>or re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>n an i<span class=\"_ _6\"></span>ncrea<span class=\"_ _6\"></span>se to t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of \u00a3<span class=\"_ _6\"></span>6.4 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n an<span class=\"_ _6\"></span>d rig<span class=\"_ _6\"></span>ht-<span class=\"_ _6\"></span>of-us<span class=\"_ _6\"></span>e asse<span class=\"_ _6\"></span>t of \u00a36<span class=\"_ _6\"></span>.4 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n befo<span class=\"_ _6\"></span>re dep<span class=\"_ _6\"></span>reci<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Lease<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ld im<span class=\"_ _6\"></span>provem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns as<span class=\"_ _6\"></span>soci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th re<span class=\"_ _6\"></span>-f<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ret<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>loo<span class=\"_ _6\"></span>r tot<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d \u00a31.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span>Prop<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>pm<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f \u00a3nil (2024: \u00a30.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) rela<span class=\"_ _6\"></span>ted to t<span class=\"_ _6\"></span>he US b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s was f<span class=\"_ _6\"></span>ull<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red in t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfQuantitativeInformationAboutRightofuseAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-439": {
   "value": "Leas<span class=\"_ _0\"></span>e liabilitie<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span>Am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed on t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et we<span class=\"_ _6\"></span>re as foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span><table class=\"s w9d hbd\" id=\"_37122a4b-d656-4667-ba0f-f31f0a7b937e\"><tr><td></td><td class=\"t m0 x24c h28 y29c2 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y29c2 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y29c3 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y29c3 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y29c4 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y29c4 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29c5 w339 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Current<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x613 y29c5 w33a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls81 wsad\">1.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x614 y29c5 w33b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29c6 w33c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Non-current<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x615 y29c6 wdd h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">4.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e5 y29c6 wde h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w268 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsec ws111\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x616 y2810 w33d h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls5 ws43\">6.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x617 y2810 w33e h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr></table>Am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f com<span class=\"_ _6\"></span>preh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e were as fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>s:<span class=\"_ _2f2\"> </span><table class=\"s w33f hbe\" id=\"_f6364d41-44c8-46ff-a21f-bacd92a446b1\"><tr><td></td><td class=\"t m0 x24c h28 y29c7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y29c7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y29c8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y29c8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y29c9 ff56 fs19 fc2 sc0 lsc9 wsed\">Continuing operations<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y29c9 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y29c9 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29ca w340 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cha<span class=\"_ _6\"></span>rge of r<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ht-o<span class=\"_ _6\"></span>f-use a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts (p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x618 y29ca w341 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">1.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x619 y29ca w342 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">1.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29cb w343 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gai<span class=\"_ _6\"></span>n on m<span class=\"_ _6\"></span>odi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f lea<span class=\"_ _6\"></span>se li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3bf y29cb w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cd y29cb w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w344 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e (inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng exp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ses)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61a y280f wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x22a y280f w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr></table>The to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l ca<span class=\"_ _6\"></span>sh ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>low fo<span class=\"_ _6\"></span>r le<span class=\"_ _6\"></span>ases (excl<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>ng sh<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t-ter<span class=\"_ _6\"></span>m and l<span class=\"_ _6\"></span>ow val<span class=\"_ _6\"></span>ue l<span class=\"_ _6\"></span>ease<span class=\"_ _6\"></span>s) in 2025 was \u00a31<span class=\"_ _6\"></span>.9 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a33<span class=\"_ _6\"></span>.6 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. A ma<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ana<span class=\"_ _6\"></span>lysi<span class=\"_ _6\"></span>s ill<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he un<span class=\"_ _6\"></span>dis<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nted c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows of l<span class=\"_ _6\"></span>ease l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e liq<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sure w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin n<span class=\"_ _6\"></span>ote 1<span class=\"_ _6\"></span>6.<span class=\"_ _2f2\"> </span>As a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2025, the p<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ial f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure u<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>sh ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s tha<span class=\"_ _6\"></span>t have no<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>en in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ease l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y d<span class=\"_ _6\"></span>ue to la<span class=\"_ _6\"></span>ck of rea<span class=\"_ _6\"></span>son<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e ce<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y the l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>n op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns mi<span class=\"_ _6\"></span>ght b<span class=\"_ _6\"></span>e exerci<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d to \u00a38<span class=\"_ _6\"></span>.8 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a38<span class=\"_ _6\"></span>.8 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span><div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls7 ws7 gs79c\">23.<span class=\"_ _0\"></span> Operating lease arrangements<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs79d\">As d<span class=\"_ _6\"></span>iscl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d in n<span class=\"_ _6\"></span>otes 1 a<span class=\"_ _6\"></span>nd 11<span class=\"_ _6\"></span>, leas<span class=\"_ _6\"></span>es of l<span class=\"_ _6\"></span>ow val<span class=\"_ _6\"></span>ue i<span class=\"_ _6\"></span>tems o<span class=\"_ _6\"></span>r sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t-<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>m lea<span class=\"_ _6\"></span>ses co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>e to be t<span class=\"_ _6\"></span>reat<span class=\"_ _6\"></span>ed as o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es.<span class=\"_ _2f2\"> </span></div><div class=\"gs79e\"><table class=\"s w24e he5\" id=\"_24d46749-6f75-438a-b4fe-dbd860775081\"><tr><td></td><td class=\"t m0 x49f h28 y2b49 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b49 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b4a ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b4a ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2b4b ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b4b ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c x1be y280f w5ca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lease p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>er o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g lea<span class=\"_ _6\"></span>ses re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d as an ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nse i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e year</div><div class=\"t m0 xada h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xadb y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xadc y280f w1a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 ls37 ws40 gs79f\">1. <span class=\"_ _24\"> </span>The<span class=\"_ _0\"></span> current<span class=\"_ _0\"></span> and<span class=\"_ _0\"></span> comparative<span class=\"_ _0\"></span> lease<span class=\"_ _0\"></span> expense<span class=\"_ _0\"></span> relat<span class=\"_ _0\"></span>es t<span class=\"_ _0\"></span>o disc<span class=\"_ _0\"></span>ontinued operations<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7a0\">At t<span class=\"_ _6\"></span>he ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>hee<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>te, th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p ha<span class=\"_ _6\"></span>d ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re mini<span class=\"_ _6\"></span>mum l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r non<span class=\"_ _6\"></span>-c<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cel<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7a1\">op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng l<span class=\"_ _6\"></span>ease<span class=\"_ _6\"></span>s of \u00a3ni<span class=\"_ _6\"></span>l (202<span class=\"_ _0\"></span>4: \u00a30.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7a2\">Op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng l<span class=\"_ _6\"></span>ease p<span class=\"_ _6\"></span>aym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>t paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts for l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t are in<span class=\"_ _6\"></span>div<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly co<span class=\"_ _6\"></span>nsid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d low va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-406": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls3 ws3 gs5c4\">12<span class=\"_ _6\"></span>. SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span></div><div class=\"gs541\"><table class=\"s w9d hbf\" id=\"_6a6a7a98-9c6a-442f-b318-19dd9363c39f\"><tr><td></td><td class=\"t m0 x24c h28 y29cc ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y29cc ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y29cd ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y29cd ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y29ce ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y29ce ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y29cf ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-current<span class=\"_ _256\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y29d0 w345 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns \u2013 am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61b y29d0 wb0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61c y29d0 wb1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29d1 w346 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts \u2013 F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61d y29d1 w347 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61e y29d1 wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"> </span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29d2 w348 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd1 wsf5\">T<span class=\"_ _b\"></span>otal non-current<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61f y29d3 w349 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _6\"></span>3<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x620 y29d3 w34a h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>9.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y29d4 ff54 fs3 fc2 sc0 ls7e wsa9\">Curren<span class=\"_ _6\"></span>t<span class=\"_ _21d\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y29d5 w345 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns \u2013 am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x621 y29d5 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x622 y29d5 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y29d7 w34b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t \u2013 am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st</div><div class=\"t m0 x623 h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x624 y29d7 w25e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x625 y29d7 w34c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29d8 w34d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns \u2013 F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x626 y29d8 wb7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">120.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x627 y29d8 w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29d9 w34e h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsec ws111\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _5\"></span> c<span class=\"_ _6\"></span>u<span class=\"_ _5\"></span>r<span class=\"_ _5\"></span>r<span class=\"_ _6\"></span>e<span class=\"_ _5\"></span>n<span class=\"_ _5\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x628 y29da w34f h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">29<span class=\"_ _6\"></span>4.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x629 y29da w350 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">9<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w268 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsec ws111\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62a y2810 w351 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lse5 ws10c\">3<span class=\"_ _5\"></span>0<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62b y2810 w352 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls25 ws7d\">118.2<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs5c5\">1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>I<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>in<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>is<span class=\"_ gs546\"> </span>\u00a3<span class=\"_ _6\"></span>24.0<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on<span class=\"_ gs546\"> </span>(<span class=\"_ _6\"></span>2024<span class=\"_ _6\"></span>:<span class=\"_ gs546\"> </span>\u00a37<span class=\"_ _0\"></span>.2<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>o<span class=\"_ gs546\"> </span>Ca<span class=\"_ _6\"></span>sh<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>ck<span class=\"_ gs546\"> </span>ca<span class=\"_ _6\"></span>rd<span class=\"_ gs546\"> </span>b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>net<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>EC<span class=\"_ _6\"></span>L<span class=\"_ gs546\"> </span>im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls2b ws33 gs5dc\">16. F<span class=\"_ _0\"></span>inancial ri<span class=\"_ _0\"></span>sk management </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5dd\">The B<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>rd of Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tors h<span class=\"_ _6\"></span>as overa<span class=\"_ _6\"></span>ll res<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>hme<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>nd overs<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s r<span class=\"_ _6\"></span>isk m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t fra<span class=\"_ _6\"></span>mewo<span class=\"_ _6\"></span>rk<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5de\">The r<span class=\"_ _6\"></span>isk m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re est<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>d to ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd an<span class=\"_ _6\"></span>alys<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>ks fa<span class=\"_ _6\"></span>ced by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup, to se<span class=\"_ _6\"></span>t ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate r<span class=\"_ _6\"></span>isk l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5df\">an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>trol<span class=\"_ _6\"></span>s and t<span class=\"_ _6\"></span>o mon<span class=\"_ _6\"></span>ito<span class=\"_ _6\"></span>r ris<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d ens<span class=\"_ _6\"></span>ure any li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re adh<span class=\"_ _6\"></span>ered t<span class=\"_ _6\"></span>o. The Gro<span class=\"_ _6\"></span>up\u2019s a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies are rev<span class=\"_ _6\"></span>iewe<span class=\"_ _6\"></span>d regu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>rly a<span class=\"_ _6\"></span>nd p<span class=\"_ _6\"></span>oten<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs5e0\">ris<span class=\"_ _6\"></span>ks are c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red. </div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws5 gs5e1\">Risk fact<span class=\"_ _0\"></span>ors<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5e2\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng ri<span class=\"_ _6\"></span>sks f<span class=\"_ _6\"></span>rom i<span class=\"_ _6\"></span>ts us<span class=\"_ _6\"></span>e of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5e3\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2 ls39 ws42\">c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5e4\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">l<span class=\"_ _6\"></span>iq<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>; an<span class=\"_ _6\"></span>d</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5e5\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket ris<span class=\"_ _6\"></span>k (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge ri<span class=\"_ _6\"></span>sk, i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate r<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r pr<span class=\"_ _6\"></span>ice r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></span></span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs5e6\">Principal<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> instruments<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5e7\">The p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d by the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p, from wh<span class=\"_ _6\"></span>ich f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>es, are as fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ows:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5e8\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5e9\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5ea\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5eb\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5ec\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h and c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>len<span class=\"_ _6\"></span>ts;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5ed\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r paya<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s;</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5ee\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">b<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>k bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ngs; a<span class=\"_ _6\"></span>nd</span></span></div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5ef\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls3d ws47\">l<span class=\"_ _6\"></span>ease<span class=\"_ _0\"></span> liabilities.<span class=\"_ _2f2\"> </span></span></span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2d ws5 gs5f0\">Categorisation<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span> financial as<span class=\"_ _0\"></span>sets and<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5f1\">The t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>les s<span class=\"_ _6\"></span>how t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s by cat<span class=\"_ _6\"></span>ego<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t as at </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5f2\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025:<span class=\"_ _2f2\"> </span></div><div class=\"gs5f3\"><table class=\"s w37b hc4\" id=\"_7b3c4320-be66-4963-9769-866afbc36d8e\"><tr><td></td><td class=\"c n x675 y29f8 w1f5 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x676 y29f8 w37c h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2024<span class=\"_ _2f2\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x677 h28 y29f9 ff53 fs19 fc3 sc0 lsc8 wsec\">Fair<span class=\"_ _0\"></span> value<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x678 h28 y29f9 ff56 fs19 fc2 sc0 lscb wsef\">Fair<span class=\"_ _0\"></span> value<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x679 h28 y29fa ff53 fs19 fc3 sc0 lsc8 wsec\">through<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x67a h28 y29fa ff56 fs19 fc2 sc0 lscb wsef\">through</td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x67b h28 y29fb ff53 fs19 fc3 sc0 lscd ws102\"> profit<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67c h28 y29fb ff53 fs19 fc3 sc0 lscb wsef\">Amortised</td><td></td><td class=\"t m0 x67d h28 y29fb ff56 fs19 fc2 sc0 ls108 ws12f\"> prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67e h28 y29fb ff56 fs19 fc2 sc0 lse2 ws94\">Amortised<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x67f h28 y29fc ff53 fs19 fc3 sc0 lsc8 wsec\">and loss<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x680 h28 y29fc ff53 fs19 fc3 sc0 ls136 ws165\">cost<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x681 h28 y29fc ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x682 h28 y29fc ff56 fs19 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x683 h28 y29fc ff56 fs19 fc2 sc0 ls136 ws165\">cost<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y29fc ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x684 h28 y29fd ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x685 h28 y29fd ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x686 h28 y29fd ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24c h28 y29fd ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x687 h28 y29fd ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y29fd ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y29fe ff54 fs3 fc2 sc0 lsd4 wsf8\">Assets<span class=\"_ _266\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _f3\"> </span> <span class=\"_ _f3\"> </span> <span class=\"_ _9c\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _f3\"> </span> <span class=\"_ _41\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29ff waf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x688 y29ff w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x689 y29ff w37d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68a y29ff w37e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68b y29ff w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68c y29ff w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a9 y29ff w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a00 wb6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68d y2a00 w37f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68e y2a00 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68f y2a00 w48 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>20.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x690 y2a00 w380 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x691 y2a00 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x692 y2a00 w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a01 wb9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x693 y2a01 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x694 y2a01 w25e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x695 y2a01 wbb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x696 y2a01 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x697 y2a01 w34c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _6\"></span>7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x698 y2a01 wbc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2805 w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x699 y2805 w381 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>1.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69a y2805 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69b y2805 w381 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2d6 y2805 wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _7\"> </span>7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69c y2805 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69d y2805 wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"> </span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a02 w382 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es</div><div class=\"t m0 x69e h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69f y2a02 we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a0 y2a02 w383 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls81 wsad\">11.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a1 y2a02 wee h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a2 y2a02 wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a3 y2a02 w384 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a4 y2a02 w385 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _6\"></span>.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a03 w386 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts</div><div class=\"t m0 x6a5 h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a6 y2a03 w387 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls81 wsad\">84.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a7 y2a03 w26f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">6<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a8 y2a03 w388 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>52<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a9 y2a03 w389 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">136.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6aa y2a03 w38a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">51<span class=\"_ _6\"></span>.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ab y2a03 wc4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x6ac y2a04 w38b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">2<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ad y2a04 w38c h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">254.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ae y2a04 w38d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd5 wsfa\">47<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6af y2a04 w38e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">155.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b0 y2a04 w38f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1<span class=\"_ _6\"></span>61.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b1 y2a04 w390 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>1<span class=\"_ _7\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2a05 ff54 fs3 fc2 sc0 ls9c ws36\">Liabilities<span class=\"_ _c8\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _f3\"> </span> <span class=\"_ _f3\"> </span> <span class=\"_ _fa\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _41\"> </span> <span class=\"_ _f3\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b2 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b3 y285e w391 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b4 y285e w215 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b5 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b6 y285e w392 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b7 y285e w393 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b8 y287f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b9 y287f w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ba y287f w395 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6bb y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6bc y287f w396 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6bd y287f w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6be y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6bf y280d w398 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c0 y280d w399 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c1 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c2 y280d w39a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c3 y280d w39b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x688 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c4 y280f w39c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(<span class=\"_ _6\"></span>280.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c5 y280f w39d h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(28<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c6 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c7 y280f w39e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c8 y280f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>8<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs5f4\">1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>C<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>ca<span class=\"_ _6\"></span>sh<span class=\"_ gs546\"> </span>e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>he<span class=\"_ _6\"></span>ld<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>fa<span class=\"_ _6\"></span>ir<span class=\"_ gs546\"> </span>va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ey<span class=\"_ gs546\"> </span>ma<span class=\"_ _6\"></span>rke<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>fu<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>,<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>at<span class=\"_ gs546\"> </span>fa<span class=\"_ _6\"></span>ir<span class=\"_ gs546\"> </span>v<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ue<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ug<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>it<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>nd<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs5f5\">ac<span class=\"_ _6\"></span>cr<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>int<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>on<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>one<span class=\"_ _6\"></span>y<span class=\"_ gs546\"> </span>ma<span class=\"_ _6\"></span>rke<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>fun<span class=\"_ _6\"></span>ds<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs3b9\">Financial<span class=\"_ _0\"></span> instruments<span class=\"_ _0\"></span> measur<span class=\"_ _0\"></span>ed at<span class=\"_ _0\"></span> amortised c<span class=\"_ _0\"></span>ost<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3ba\">Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nts m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t, r<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r tha<span class=\"_ _6\"></span>n fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue, in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ival<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts, t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3bb\">rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es, SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t, F<span class=\"_ _6\"></span>lexi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>, ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s, le<span class=\"_ _6\"></span>ase l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>nd tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs3bc\">paya<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es. D<span class=\"_ _6\"></span>ue to t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r nat<span class=\"_ _6\"></span>ure, t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g valu<span class=\"_ _6\"></span>e of ea<span class=\"_ _6\"></span>ch of t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>bove fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s ap<span class=\"_ _6\"></span>proxi<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tes to th<span class=\"_ _6\"></span>ei<span class=\"_ _6\"></span>r fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs5f7\">Financial<span class=\"_ _0\"></span> instruments<span class=\"_ _0\"></span> measur<span class=\"_ _0\"></span>ed at<span class=\"_ _0\"></span> fair<span class=\"_ _0\"></span> value </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4d ws5e gs5f8\">IFRS <span class=\"_ _6\"></span>13 req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>s cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ures w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h requ<span class=\"_ _6\"></span>ire t<span class=\"_ _6\"></span>he cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>d at </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls4d ws16 gs5f9\">fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue us<span class=\"_ _6\"></span>ing a f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e hie<span class=\"_ _6\"></span>rarc<span class=\"_ _6\"></span>hy tha<span class=\"_ _6\"></span>t ref<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts u<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n ma<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4d ws5e gs5fa\">Dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sure o<span class=\"_ _6\"></span>f fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts by l<span class=\"_ _6\"></span>evel is a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>g to t<span class=\"_ _6\"></span>he fol<span class=\"_ _6\"></span>lowi<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t hie<span class=\"_ _6\"></span>rarc<span class=\"_ _6\"></span>hy:</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5fb\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 1 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d pri<span class=\"_ _6\"></span>ces (un<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>ted) i<span class=\"_ _6\"></span>n ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve mar<span class=\"_ _6\"></span>kets fo<span class=\"_ _6\"></span>r ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s or l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ca<span class=\"_ _6\"></span>n acce<span class=\"_ _6\"></span>ss </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd4 ws47 gs5fc\">at the mea<span class=\"_ _0\"></span>surement<span class=\"_ _0\"></span> date<span class=\"_ _0\"></span>;</div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5fd\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 2 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n level 1 t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t are o<span class=\"_ _6\"></span>bser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e for t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts or l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>, </span></span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd6 wsf5 gs5fe\">either directly or<span class=\"_ _0\"></span> indirectly;<span class=\"_ _0\"></span> and </div><div class=\"t m0 h2f ff56 fs3 fc5 sc0 ls12 ws16 gs5ff\"> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 3 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re un<span class=\"_ _6\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s for t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s or l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies.<span class=\"_ _2f2\"> </span></span></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs600\">The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re not t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in an a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive ma<span class=\"_ _6\"></span>rket (<span class=\"_ _6\"></span>for exa<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>e, inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans) is </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs601\">de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by us<span class=\"_ _6\"></span>ing v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>iq<span class=\"_ _6\"></span>ues. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>uat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n tech<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>s max<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he use o<span class=\"_ _6\"></span>f obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>ble m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket da<span class=\"_ _6\"></span>ta wh<span class=\"_ _6\"></span>ere i<span class=\"_ _6\"></span>t is </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs602\">avai<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>nd rel<span class=\"_ _6\"></span>y as li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le as p<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le on e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>s. If a<span class=\"_ _6\"></span>ll s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t inp<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>s req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d to fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue a<span class=\"_ _6\"></span>n ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs603\">obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, the i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt is i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed in l<span class=\"_ _6\"></span>evel 2. I<span class=\"_ _6\"></span>f on<span class=\"_ _6\"></span>e or mo<span class=\"_ _6\"></span>re of th<span class=\"_ _6\"></span>e si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re not b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on o<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le m<span class=\"_ _6\"></span>arket </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs604\">da<span class=\"_ _6\"></span>ta, t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt is i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude<span class=\"_ _6\"></span>d in l<span class=\"_ _6\"></span>evel 3. A<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he leve<span class=\"_ _6\"></span>l app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed to f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts is a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>ropr<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>te and </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs605\">whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er a t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en l<span class=\"_ _6\"></span>evels is re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ired i<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>taken a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e end o<span class=\"_ _6\"></span>f eac<span class=\"_ _6\"></span>h acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od. T<span class=\"_ _6\"></span>here we<span class=\"_ _6\"></span>re no t<span class=\"_ _6\"></span>rans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs606\">be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n level<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar or p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>or yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs607\">The F<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce d<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rms t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons o<span class=\"_ _6\"></span>f ite<span class=\"_ _6\"></span>ms req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>red for f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>urp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>s, in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g leve<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs608\">3 fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ues<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>ch pre<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>ly u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>e dis<span class=\"_ _6\"></span>coun<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ow met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd pre<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>ves to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs609\">de<span class=\"_ _6\"></span>rive c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns de<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s Ri<span class=\"_ _6\"></span>sk tea<span class=\"_ _6\"></span>m in co<span class=\"_ _6\"></span>mbi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th a m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket-d<span class=\"_ _6\"></span>rive<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>coun<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te. This t<span class=\"_ _6\"></span>eam </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs60a\">rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e Chi<span class=\"_ _6\"></span>ef Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>icer (\u201c<span class=\"_ _6\"></span>CFO<span class=\"_ _6\"></span>\u201d). Dis<span class=\"_ _6\"></span>cuss<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of val<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s are h<span class=\"_ _6\"></span>eld re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>ly a<span class=\"_ _6\"></span>t Bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce She<span class=\"_ _6\"></span>et </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs60b\">an<span class=\"_ _6\"></span>d Valua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on C<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tee me<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s alo<span class=\"_ _6\"></span>ng w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h reg<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>r up<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>es provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e Aud<span class=\"_ _6\"></span>it C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mit<span class=\"_ _5\"></span>tee.<span class=\"_ _2f2\"> </span></div><div class=\"gs4d6\"><table class=\"s w3a0 hc5\" id=\"_b5a6444d-d3e0-42f2-89c9-e778869a7023\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x6c9 h28 y2a06 ff56 fs19 fc2 sc0 lsc9 wsed\">Fair<span class=\"_ _0\"></span> value<span class=\"_ _0\"></span> measurement<span class=\"_ _0\"></span> using<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x6ca y2a07 w3a1 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x6cb y2a07 w37c h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2024<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x6cc h28 y2a08 ff53 fs19 fc3 sc0 ls12 ws16\">Qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d </td><td></td><td></td><td class=\"t m0 x6cd h28 y2a08 ff56 fs19 fc2 sc0 lsc8 wsec\">Quoted </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6ce h28 y2a09 ff53 fs19 fc3 sc0 lscd ws102\">prices<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6cf h28 y2a09 ff53 fs19 fc3 sc0 lsca wsee\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d0 h28 y2a09 ff53 fs19 fc3 sc0 lsca wsee\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d1 h28 y2a09 ff56 fs19 fc2 sc0 ls11b ws144\">prices<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37c h28 y2a09 ff56 fs19 fc2 sc0 lsc9 wsed\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x377 h28 y2a09 ff56 fs19 fc2 sc0 lsc9 wsed\">Significant<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6d2 h28 y2a0a ff53 fs19 fc3 sc0 ls12 ws16\">in a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive </td><td class=\"t m0 x6d3 h28 y2a0a ff53 fs19 fc3 sc0 lsc8 wsec\">observable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b3 h28 y2a0a ff53 fs19 fc3 sc0 lscb wsef\">unobservable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d4 h28 y2a0a ff56 fs19 fc2 sc0 ls12 ws16\">in a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive </td><td class=\"t m0 x548 h28 y2a0a ff55 fs19 fc2 sc0 lsdb ws103\">observable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d5 h28 y2a0a ff55 fs19 fc2 sc0 lsca wsee\">unobservable<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6d6 h28 y2a0b ff53 fs19 fc3 sc0 lsc8 wsec\">markets<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d7 h28 y2a0b ff53 fs19 fc3 sc0 lsca wsee\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2a0b ff53 fs19 fc3 sc0 lsca wsee\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37b h28 y2a0b ff56 fs19 fc2 sc0 lseb ws110\">ma<span class=\"_ _6\"></span>rke<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2aa h28 y2a0b ff56 fs19 fc2 sc0 lscb wsef\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2ab h28 y2a0b ff56 fs19 fc2 sc0 lscb wsef\">inputs<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6cc h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 1)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d9 h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 2)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6da h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 3)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6db h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 1)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a1 h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 2)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4ac h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 3)<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6dc h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a8 h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6dd h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bb h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bc h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2a0e ff54 fs3 fc2 sc0 lsd4 wsf8\">Financial assets<span class=\"_ _0\"></span> <span class=\"_ _1a4\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _40\"> </span> <span class=\"_ _40\"> </span> <span class=\"_ _101\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _f9\"> </span> <span class=\"_ _40\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x1b9 h5 y2a0f ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t </td><td class=\"c n x6de y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6df y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e0 y2a10 w3a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e1 y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e2 y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e3 y2a10 w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a11 ff56 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wbd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e4 y285e w3a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e5 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e6 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e7 y285e w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e8 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e9 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ea y293b w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6eb y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ec y293b w381 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6af y293b w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ed y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69d y293b wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"> </span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ee y28e0 w3a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls81 wsad\">84.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ef y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f0 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f1 y28e0 w389 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">136.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f2 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f3 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x6f4 y280f w3a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">8<span class=\"_ _6\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f5 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f6 y280f w3a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>32<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x537 y280f w3a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">136.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f7 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f8 y280f w3a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs60c\">The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of al<span class=\"_ _6\"></span>l SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d by disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f the l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns usi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs60d\">ra<span class=\"_ _6\"></span>tes th<span class=\"_ _6\"></span>at ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ges i<span class=\"_ _6\"></span>n mar<span class=\"_ _6\"></span>ket in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ate. T<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>d fa<span class=\"_ _6\"></span>ir </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs60e\">val<span class=\"_ _6\"></span>ue an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d lo<span class=\"_ _6\"></span>ss was \u00a3<span class=\"_ _6\"></span>120.8 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs60f\">(202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>.2 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on)<span class=\"_ _0\"></span>. The g<span class=\"_ _6\"></span>row<span class=\"_ _6\"></span>th i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce was p<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y dr<span class=\"_ _6\"></span>iven by inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>he sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>er-term l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs610\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her ve<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>les us<span class=\"_ _6\"></span>ed to f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>d CBI<span class=\"_ _6\"></span>LS, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs611\">RLS, G<span class=\"_ _6\"></span>GS an<span class=\"_ _6\"></span>d cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n com<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>rcial l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d is me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss. T<span class=\"_ _6\"></span>he gove<span class=\"_ _6\"></span>rnm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t-own<span class=\"_ _6\"></span>ed B<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sh </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs612\">Bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess B<span class=\"_ _6\"></span>ank w<span class=\"_ _6\"></span>ill g<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>tee u<span class=\"_ _6\"></span>p to 80% of t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>f CBI<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e event of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t (and b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en 70% and 8<span class=\"_ _6\"></span>0% of R<span class=\"_ _6\"></span>LS </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs613\">lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd 70% for GG<span class=\"_ _6\"></span>S lo<span class=\"_ _6\"></span>ans)<span class=\"_ _0\"></span>. The e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ated f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e and c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts wa<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs614\">\u00a311<span class=\"_ _6\"></span>.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 (2024: \u00a317<span class=\"_ _b\"></span>.8 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on).<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs615\">The m<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t relev<span class=\"_ _6\"></span>ant s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t uno<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>nd di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs616\">ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, de<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ils of w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are se<span class=\"_ _6\"></span>t ou<span class=\"_ _6\"></span>t in n<span class=\"_ _6\"></span>ote 2 for t<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>se wi<span class=\"_ _6\"></span>th m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>l es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n unc<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs617\">Sin<span class=\"_ _6\"></span>ce 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024, the for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard<span class=\"_ _6\"></span>-lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e have be<span class=\"_ _6\"></span>en m<span class=\"_ _6\"></span>argi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly u<span class=\"_ _6\"></span>pd<span class=\"_ _6\"></span>ated to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs618\">in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rate fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast U<span class=\"_ _6\"></span>K GD<span class=\"_ _6\"></span>P an<span class=\"_ _6\"></span>d ris<span class=\"_ _6\"></span>k-free ra<span class=\"_ _6\"></span>te al<span class=\"_ _6\"></span>ong<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>e un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t. Th<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io, ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed l<span class=\"_ _6\"></span>ater i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e no<span class=\"_ _6\"></span>te </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs619\">un<span class=\"_ _6\"></span>der \u201c<span class=\"_ _6\"></span>Key ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es to ma<span class=\"_ _6\"></span>cro sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d in 2025\u201d<span class=\"_ _0\"></span>, is ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d for pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s; however, the sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>rio c<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge h<span class=\"_ _6\"></span>as </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs61a\">no<span class=\"_ _6\"></span>t mate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of lo<span class=\"_ _6\"></span>ans.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs61c\">The<span class=\"_ _6\"></span>re have ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>lly b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>es in d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d to dis<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d, pr<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ly </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs61d\">dr<span class=\"_ _6\"></span>iven by d<span class=\"_ _6\"></span>ecre<span class=\"_ _6\"></span>ases i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate, du<span class=\"_ _6\"></span>e to ce<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>ank i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ates f<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>nd ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of ra<span class=\"_ _6\"></span>te cut<span class=\"_ _6\"></span>s pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>to swa<span class=\"_ _6\"></span>ps. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs61e\">Ma<span class=\"_ _6\"></span>ny of th<span class=\"_ _6\"></span>e invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in leve<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res have exp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>d a redu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n in di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>unt r<span class=\"_ _6\"></span>ates d<span class=\"_ _6\"></span>ue to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs61f\">de<span class=\"_ _6\"></span>lever<span class=\"_ _6\"></span>agi<span class=\"_ _6\"></span>ng of t<span class=\"_ _6\"></span>he ve<span class=\"_ _6\"></span>hicl<span class=\"_ _6\"></span>es as s<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>or l<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>\u2019 deb<span class=\"_ _6\"></span>t has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n pa<span class=\"_ _6\"></span>id dow<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>e repay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of se<span class=\"_ _6\"></span>nio<span class=\"_ _6\"></span>r deb<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e pas<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ge of t<span class=\"_ _6\"></span>ime </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs620\">have ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y led t<span class=\"_ _6\"></span>o fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e ga<span class=\"_ _6\"></span>ins, a<span class=\"_ _6\"></span>s a resul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt u<span class=\"_ _6\"></span>nwin<span class=\"_ _6\"></span>d, as p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure ca<span class=\"_ _6\"></span>sh f<span class=\"_ _6\"></span>lows of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs621\">whi<span class=\"_ _6\"></span>ch ten<span class=\"_ _6\"></span>d to be b<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>klo<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n the s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure be<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>me ne<span class=\"_ _6\"></span>arer i<span class=\"_ _6\"></span>n ti<span class=\"_ _6\"></span>me to t<span class=\"_ _6\"></span>he ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>te. This<span class=\"_ _6\"></span>, in tu<span class=\"_ _6\"></span>rn, h<span class=\"_ _6\"></span>as le<span class=\"_ _6\"></span>d to a hi<span class=\"_ _6\"></span>ghe<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs622\">rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive es<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue in t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs623\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed to i<span class=\"_ _6\"></span>nvest i<span class=\"_ _6\"></span>n the s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-ter<span class=\"_ _6\"></span>m lo<span class=\"_ _6\"></span>an p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct ove<span class=\"_ _6\"></span>r the ye<span class=\"_ _6\"></span>ar en<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 whi<span class=\"_ _6\"></span>ch rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs624\">maj<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns hel<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025. As t<span class=\"_ _6\"></span>he ea<span class=\"_ _6\"></span>rli<span class=\"_ _6\"></span>er co<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs625\">have se<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>ned a<span class=\"_ _6\"></span>nd ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>ts h<span class=\"_ _6\"></span>ave occu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>is crea<span class=\"_ _6\"></span>tes a fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e year.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs626\">The re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>us fa<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>bove is a \u00a36.7 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n net f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e los<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the ye<span class=\"_ _6\"></span>ar (2024: \u00a36.4 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n gai<span class=\"_ _6\"></span>n), </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs627\">pr<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ly dr<span class=\"_ _6\"></span>iven by t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of<span class=\"_ _5\"></span>fset by d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt u<span class=\"_ _6\"></span>nwin<span class=\"_ _6\"></span>d on i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s and c<span class=\"_ _6\"></span>o-<span class=\"_ _6\"></span>invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs628\">Se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es to un<span class=\"_ _6\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns in t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s and m<span class=\"_ _6\"></span>oney m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket fu<span class=\"_ _6\"></span>nds w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h and c<span class=\"_ _6\"></span>ash </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs629\">eq<span class=\"_ _6\"></span>uiv<span class=\"_ _6\"></span>ale<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>re no<span class=\"_ _6\"></span>t dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed as re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>ly p<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>ve of def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes, d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs62a\">ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d recover<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>ates wo<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>d not b<span class=\"_ _6\"></span>e exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>o resul<span class=\"_ _6\"></span>t in m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>al cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g valu<span class=\"_ _6\"></span>es, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs62b\">sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts wh<span class=\"_ _6\"></span>ere a se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt r<span class=\"_ _6\"></span>ates i<span class=\"_ _6\"></span>s disc<span class=\"_ _6\"></span>los<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n note 2.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs62c\">Fair va<span class=\"_ _6\"></span>lue m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>n SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs62d\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e cons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f com<span class=\"_ _6\"></span>preh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e in \u201c<span class=\"_ _6\"></span>fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue (l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es)/<span class=\"_ _0\"></span>gai<span class=\"_ _6\"></span>ns\u201d.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs62e\">The m<span class=\"_ _6\"></span>ajo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of a<span class=\"_ _6\"></span>ddi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od rel<span class=\"_ _6\"></span>ate to t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f loa<span class=\"_ _6\"></span>ns </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs62f\">un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter-term l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are be<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g temp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ly o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ted o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>hee<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nten<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs630\">selling them at<span class=\"_ _0\"></span> a later<span class=\"_ _0\"></span> date<span class=\"_ _0\"></span> and originations ther<span class=\"_ _0\"></span>eaf<span class=\"_ _6\"></span>ter<span class=\"_ _0\"></span> operating under a platform model.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs631\">A reco<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion of t<span class=\"_ _6\"></span>he m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nt in l<span class=\"_ _6\"></span>evel 3 f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts is s<span class=\"_ _6\"></span>how<span class=\"_ _6\"></span>n as foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span></div><div class=\"gs632\"><table class=\"s w3a9 hc6\" id=\"_e84d39a3-7406-463d-a42e-ea270d6ed7c9\"><tr><td></td><td class=\"t m0 x6f9 h28 y2a12 ff55 fs19 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x6f9 h28 y2a13 ff56 fs19 fc2 sc0 ls12 ws16\">he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2a13 ff55 fs19 fc2 sc0 lsca wsee\">Inv<span class=\"_ _0\"></span>estment in<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2a14 ff56 fs19 fc2 sc0 lscb wsef\">value through<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6fa h28 y2a14 ff56 fs19 fc2 sc0 ls12 ws16\">tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2a15 ff56 fs19 fc2 sc0 ls12 ws16\">pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6fb h28 y2a15 ff55 fs19 fc2 sc0 lsc9 wsed\">co-inve<span class=\"_ _0\"></span>stments<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2a16 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a16 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a17 w3aa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce at 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fc y2a17 w3ab h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">18<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fd y2a17 w3ac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">25<span class=\"_ _6\"></span>.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a18 w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2a18 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fe y2a18 w3ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">4<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a19 w3ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Repayments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ff y2a19 w53 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(13.5<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x700 y2a19 w3af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>4.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1a w3b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t gai<span class=\"_ _6\"></span>n on t<span class=\"_ _6\"></span>he ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x526 y2a1a w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x701 y2a1a w370 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">3.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f0 w3b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Other non-cash mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x702 y29f0 w3b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x703 y29f0 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f1 w3b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Disposal of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x704 y29f1 w3b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(5.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f8 y29f1 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1b w3b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2f2 y2a1b w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x705 y2a1b wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1c w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x706 y2a1c w3b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>80.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x707 y2a1c w300 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f2 w3ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Repayments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ff y29f2 w3b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(51.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x708 y29f2 w3b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w3b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Accr<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l of in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x709 y2902 w2dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x330 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f3 w3ba h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Ne<span class=\"_ _6\"></span>t (loss)/gai<span class=\"_ _6\"></span>n on the ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s at fair va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t or los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70a y29f3 w3b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70b y29f3 w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f4 w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70c y29f4 w16a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70d y29f4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w129 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70e y2810 w37f h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70f y2810 wab h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">11.9<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws5 gs634\">Financial<span class=\"_ _0\"></span> risk f<span class=\"_ _0\"></span>actors<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2d ws5 gs635\">Credit risk<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls29 ws16 gs636\">Cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k is t<span class=\"_ _6\"></span>he ri<span class=\"_ _6\"></span>sk of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al l<span class=\"_ _6\"></span>oss to t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>f a cus<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>er o<span class=\"_ _6\"></span>r cou<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to a f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>ls to me<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>ts c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs637\">ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>es pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y fro<span class=\"_ _6\"></span>m the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s from c<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ome<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at ba<span class=\"_ _6\"></span>nks<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs638\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s max<span class=\"_ _6\"></span>imu<span class=\"_ _6\"></span>m exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk by c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>s of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set is a<span class=\"_ _6\"></span>s foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span></div><div class=\"gs639\"><table class=\"s w3bd hc7\" id=\"_6710e427-9067-4ffa-b76d-4d10c91ebdcf\"><tr><td></td><td class=\"t m0 x49f h28 y2a1d ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2a1d ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2a1e ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2a1e ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2a1f ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2a1f ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2a20 ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-current<span class=\"_ _256\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a21 waf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x710 y2a21 wb0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x711 y2a21 w3be h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a22 w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x712 y2a22 w347 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x713 y2a22 wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y2a23 ff54 fs3 fc2 sc0 ls7e wsa9\">Curren<span class=\"_ _6\"></span>t<span class=\"_ _21d\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a18 waf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x621 y2a18 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x622 y2a18 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2943 wb6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x714 y2943 w37f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x711 y2943 w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2944 wb9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x715 y2944 w3bf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x716 y2944 w34c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a24 ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es:<span class=\"_ _16b\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2946 w3c0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">\u2013 T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e rece<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x717 y2946 w3c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d4 y2946 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2808 w3c2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">\u2013 O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er rec<span class=\"_ _6\"></span>eiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x718 y2808 w28 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">6.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x719 y2808 w3c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2947 w3c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2013 Accr<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71a y2947 w35b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">4.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a7 y2947 wde h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28bd w3c5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">\u2013 Ren<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her d<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71b y28bd wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x21e y28bd wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280b wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71c y280b w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">152<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71d y280b w3c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w3c7 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal gross credit risk exposure<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71e y290a w3c8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lsd5 wsfa\">472<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71f y290a w3c9 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2861 w3ca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Less b<span class=\"_ _6\"></span>ank b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>gs</div><div class=\"t m0 x720 h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x721 y2861 w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x722 y2861 w396 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w3cb h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal net credit risk exposure<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x723 y2810 w3cc h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">20<span class=\"_ _6\"></span>4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x724 y2810 w3cd h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls12 ws16\">215.2<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs63a\">1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>B<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>k<span class=\"_ gs546\"> </span>bo<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>ar<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>he<span class=\"_ gs546\"> </span>F<span class=\"_ _6\"></span>lex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r-ter<span class=\"_ _6\"></span>m<span class=\"_ gs546\"> </span>lo<span class=\"_ _6\"></span>an<span class=\"_ gs546\"> </span>wa<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>use<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs63b\">An ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>n the Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct of \u00a3<span class=\"_ _6\"></span>2.5 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a32.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs63c\">is he<span class=\"_ _6\"></span>ld w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin p<span class=\"_ _6\"></span>rovis<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es. T<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s m<span class=\"_ _6\"></span>axi<span class=\"_ _6\"></span>mum ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ure to cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk on t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t if t<span class=\"_ _6\"></span>hey </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs63d\">were a<span class=\"_ _6\"></span>ll to be f<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ly dr<span class=\"_ _6\"></span>awn wou<span class=\"_ _6\"></span>ld b<span class=\"_ _6\"></span>e \u00a344<span class=\"_ _6\"></span>6.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a3278.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on). The Gro<span class=\"_ _6\"></span>up has t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y t<span class=\"_ _6\"></span>o freeze, red<span class=\"_ _6\"></span>uce o<span class=\"_ _6\"></span>r wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>draw </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs63e\">li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t as a w<span class=\"_ _6\"></span>ay of man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ing as<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15f ws19b gs63f\">Cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ates w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld at a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs640\">Un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up is re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>red to p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>e for l<span class=\"_ _6\"></span>oans m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r the ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s (\u201c<span class=\"_ _6\"></span>ECL<span class=\"_ _b\"></span>\u201d) </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs641\">mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>. The i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t rel<span class=\"_ _6\"></span>ated t<span class=\"_ _6\"></span>o eac<span class=\"_ _6\"></span>h loa<span class=\"_ _6\"></span>n is ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ECL<span class=\"_ _6\"></span>s asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>hat l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n in th<span class=\"_ _6\"></span>e nex<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs642\">12 mon<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>s unl<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n a sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk of t<span class=\"_ _6\"></span>hat l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n sin<span class=\"_ _6\"></span>ce or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. Th<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>low f<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>ors a<span class=\"_ _6\"></span>re use<span class=\"_ _6\"></span>d in </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls3d ws47 gs643\">estimating the impairment:<span class=\"_ _2f2\"> </span></div><div class=\"gs644\"><table class=\"s w3ce hc8\" id=\"_0d98c2d5-6834-449a-a9d1-21e6e180ff8e\"><tr><td class=\"c n x1be y2a25 w3cf hc9\"><div class=\"t m0 x1b5 h83 y27ae ff54 fs19 fc2 sc0 lsce wsf1\">Fac<span class=\"_ _6\"></span>tor<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x725 y2a25 w3d0 hc9\"><div class=\"t m0 x1b5 h83 y27ae ff54 fs19 fc2 sc0 lsfc ws124\">Descri<span class=\"_ _6\"></span>ption<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a26 ff55 fs3 fc2 sc0 ls12 ws16\">Prob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of </td><td class=\"t m0 x726 h5 y2a26 ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d PD mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s ta<span class=\"_ _6\"></span>ilo<span class=\"_ _6\"></span>red to e<span class=\"_ _6\"></span>ach T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an or l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t to ass<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>he </td></tr><tr><td class=\"t m0 x1b9 h5 y2a27 ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t (\u201c<span class=\"_ _6\"></span>PD\u201d<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a27 ff55 fs3 fc2 sc0 ls12 ws16\">li<span class=\"_ _6\"></span>kelih<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>d of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>ex<span class=\"_ _6\"></span>t 12 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs and ove<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me. Th<span class=\"_ _6\"></span>e mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s es<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>ate PD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tors </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a28 ff55 fs3 fc2 sc0 ls12 ws16\">in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e late<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ehav<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>r of th<span class=\"_ _6\"></span>e cus<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>ers, c<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>erci<span class=\"_ _6\"></span>al, co<span class=\"_ _6\"></span>nsu<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a29 ff55 fs3 fc2 sc0 ls12 ws16\">cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t dat<span class=\"_ _6\"></span>a sh<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ing (\u201c<span class=\"_ _6\"></span>CC<span class=\"_ _6\"></span>DS\u201d<span class=\"_ _6\"></span>) da<span class=\"_ _6\"></span>ta p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>. The PD m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el al<span class=\"_ _6\"></span>so in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s an </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a2a ff56 fs3 fc2 sc0 ls12 ws16\">es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate o<span class=\"_ _6\"></span>f the ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>ic ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a2b ff56 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xpo<span class=\"_ _6\"></span>sure a<span class=\"_ _6\"></span>t </td><td class=\"t m0 x726 h5 y2a2b ff56 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d an E<span class=\"_ _6\"></span>AD m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el for l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ts to as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e likel<span class=\"_ _6\"></span>y exp<span class=\"_ _6\"></span>osure a<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. </td></tr><tr><td class=\"t m0 x1b9 h5 y2a2c ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t (\u201c<span class=\"_ _6\"></span>E<span class=\"_ _6\"></span>AD\u201d<span class=\"_ _6\"></span>) </td><td class=\"t m0 x726 h5 y2a2c ff55 fs3 fc2 sc0 ls12 ws16\">The m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>tes es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tes of E<span class=\"_ _6\"></span>AD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d up<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>t paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t beh<span class=\"_ _6\"></span>avio<span class=\"_ _6\"></span>ur of t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>mer, the c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a2d ff55 fs3 fc2 sc0 ls12 ws16\">li<span class=\"_ _6\"></span>mit u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n, an<span class=\"_ _6\"></span>d proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on at d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved h<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tori<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a2e ff55 fs3 fc2 sc0 ls70 ws74\">Loss gi<span class=\"_ _6\"></span>ven def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t </td><td class=\"t m0 x726 h5 y2a2e ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD m<span class=\"_ _6\"></span>ode<span class=\"_ _6\"></span>ls t<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ore<span class=\"_ _6\"></span>d to eac<span class=\"_ _6\"></span>h T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>n or li<span class=\"_ _6\"></span>ne of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct to a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ss t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>kely </td></tr><tr><td class=\"t m0 x1b9 h5 y2a2f ff55 fs3 fc2 sc0 ls27 ws69\">(\u201c<span class=\"_ _5\"></span>LG<span class=\"_ _6\"></span>D\u201d<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a2f ff55 fs3 fc2 sc0 ls12 ws16\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l los<span class=\"_ _6\"></span>s gi<span class=\"_ _6\"></span>ven an a<span class=\"_ _6\"></span>ccou<span class=\"_ _6\"></span>nt d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates of LGD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on hi<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cal d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a on </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a30 ff55 fs3 fc2 sc0 ls12 ws16\">obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d acco<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a31 w3d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Discount rat<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x727 y2a31 w3d2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p use<span class=\"_ _6\"></span>s acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t-leve<span class=\"_ _6\"></span>l ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te whi<span class=\"_ _6\"></span>ch is c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt o<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a32 ff55 fs3 fc2 sc0 ls12 ws16\">lo<span class=\"_ _6\"></span>an am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t, i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st a<span class=\"_ _6\"></span>nd fee<span class=\"_ _6\"></span>s, exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted re<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng pre<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d ter<span class=\"_ _6\"></span>m.<span class=\"_ _2f2\"> </span></td></tr></table></div><div class=\"t m8 h92 ff54 fs2d fc2 sc0 ls15d ws191 gs646\">Model change<span class=\"_ _0\"></span>s sinc<span class=\"_ _0\"></span>e 3<span class=\"_ _0\"></span>1 December<span class=\"_ _0\"></span> 20<span class=\"_ _0\"></span>24<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs647\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has ref<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>ts EC<span class=\"_ _6\"></span>L mo<span class=\"_ _6\"></span>del m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>log<span class=\"_ _6\"></span>y sin<span class=\"_ _6\"></span>ce 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024. The key chan<span class=\"_ _6\"></span>ges a<span class=\"_ _6\"></span>re as ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow. The ove<span class=\"_ _6\"></span>ral<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs648\">imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>tes on a l<span class=\"_ _6\"></span>ike-fo<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-l<span class=\"_ _6\"></span>ike bas<span class=\"_ _6\"></span>is wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>us me<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>olo<span class=\"_ _6\"></span>gy is n<span class=\"_ _6\"></span>ot m<span class=\"_ _6\"></span>ater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l to th<span class=\"_ _6\"></span>e overal<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs649\">ECL f<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ure; however, it res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts in a l<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ropo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces in s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>age 2 c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>are<span class=\"_ _6\"></span>d to st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 bu<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th a l<span class=\"_ _6\"></span>ower P<span class=\"_ _6\"></span>D.<span class=\"_ _2f2\"> </span></div><div class=\"gs64a\"><table class=\"s w3d3 hca\" id=\"_16c2e7fa-c289-4dcd-a4b1-8e7e666f837d\"><tr><td class=\"c n x1be y2a33 w3d4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc8 wsec\">Model component<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x728 y2a33 w3d5 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge si<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>e 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a34 wb8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5 ws43\">PD<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x729 y2a34 w3d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _6\"></span>he PD is n<span class=\"_ _6\"></span>ow ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d us<span class=\"_ _6\"></span>ing a m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>akes a n<span class=\"_ _6\"></span>umb<span class=\"_ _6\"></span>er of i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>t va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es de<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m com<span class=\"_ _6\"></span>merc<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>,<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a35 ff55 fs3 fc2 sc0 ls12 ws16\">con<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>er<span class=\"_ _0\"></span>, fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d beh<span class=\"_ _6\"></span>avio<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>l sou<span class=\"_ _6\"></span>rces of d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a, wh<span class=\"_ _6\"></span>ich h<span class=\"_ _6\"></span>ave bee<span class=\"_ _6\"></span>n obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved t<span class=\"_ _6\"></span>o cor<span class=\"_ _6\"></span>rela<span class=\"_ _6\"></span>te wi<span class=\"_ _6\"></span>th a d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t. </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a36 ff55 fs3 fc2 sc0 ls12 ws16\">The<span class=\"_ _6\"></span>se in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re comb<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed to d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ne a PD cu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve for eac<span class=\"_ _6\"></span>h bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, wit<span class=\"_ _6\"></span>h 12-mon<span class=\"_ _6\"></span>th PD u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed fo<span class=\"_ _6\"></span>r st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a37 ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me PD fo<span class=\"_ _6\"></span>r st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2. The m<span class=\"_ _6\"></span>argi<span class=\"_ _6\"></span>nal PD<span class=\"_ _6\"></span>s are us<span class=\"_ _6\"></span>ed to c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>cul<span class=\"_ _6\"></span>ate an EC<span class=\"_ _6\"></span>L in e<span class=\"_ _6\"></span>ach res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a38 ff55 fs3 fc2 sc0 ls12 ws16\">pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d. Prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>sly PD w<span class=\"_ _6\"></span>as de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed us<span class=\"_ _6\"></span>ing m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>els t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e late<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ehav<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>r of cus<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>ers </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a39 ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d obse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ved h<span class=\"_ _6\"></span>isto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l tren<span class=\"_ _6\"></span>ds to p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2a3a ff56 fs3 fc2 sc0 ls3d ws47\">Signific<span class=\"_ _6\"></span>ant </td><td class=\"t m0 x72a h5 y2a3a ff55 fs3 fc2 sc0 ls12 ws16\">The d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk (\u201c<span class=\"_ _6\"></span>SI<span class=\"_ _6\"></span>CR<span class=\"_ _6\"></span>\u201d) us<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted to re<span class=\"_ _6\"></span>feren<span class=\"_ _6\"></span>ce </td></tr><tr><td class=\"t m0 x250 h5 y2a3b ff56 fs3 fc2 sc0 ls3d ws47\">increas<span class=\"_ _0\"></span>e in </td><td class=\"t m0 x72a h5 y2a3b ff55 fs3 fc2 sc0 ls12 ws16\">th<span class=\"_ _6\"></span>e rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ve cha<span class=\"_ _6\"></span>nge i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re bet<span class=\"_ _5\"></span>ween o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t dat<span class=\"_ _6\"></span>e. Previo<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y SI<span class=\"_ _6\"></span>CR was </td></tr><tr><td class=\"t m0 x250 h5 y2a3c ff56 fs3 fc2 sc0 ls39 ws42\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x72a h5 y2a3c ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>s incl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ny acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t whic<span class=\"_ _6\"></span>h was overd<span class=\"_ _6\"></span>ue o<span class=\"_ _6\"></span>r frozen. This c<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n a hig<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a3d ff55 fs3 fc2 sc0 ls12 ws16\">acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts m<span class=\"_ _6\"></span>oving t<span class=\"_ _6\"></span>o st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2 pri<span class=\"_ _6\"></span>or to b<span class=\"_ _6\"></span>eco<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ng la<span class=\"_ _6\"></span>te or d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g, rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive to t<span class=\"_ _6\"></span>he prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>s met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d. </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a3e ff55 fs3 fc2 sc0 ls12 ws16\">The b<span class=\"_ _6\"></span>ack<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>p of 30 d<span class=\"_ _6\"></span>ays pas<span class=\"_ _6\"></span>t du<span class=\"_ _6\"></span>e rem<span class=\"_ _6\"></span>ains i<span class=\"_ _6\"></span>n pl<span class=\"_ _6\"></span>ace.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a3f w3d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">EAD<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72b y2a3f w3d8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Th<span class=\"_ _6\"></span>e E<span class=\"_ _6\"></span>AD m<span class=\"_ _6\"></span>eth<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ogy h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en ref<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ned to t<span class=\"_ _6\"></span>ake ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt of a<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ysis of t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>A<span class=\"_ _6\"></span>D bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n more g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a40 ff55 fs3 fc2 sc0 ls12 ws16\">ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>s for s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 an<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2. This a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>roac<span class=\"_ _6\"></span>h has res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>n mo<span class=\"_ _6\"></span>re accu<span class=\"_ _6\"></span>rate E<span class=\"_ _6\"></span>A<span class=\"_ _6\"></span>D pre<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on w<span class=\"_ _6\"></span>hen </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a41 ff55 fs3 fc2 sc0 ls12 ws16\">ba<span class=\"_ _6\"></span>ck tes<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>gai<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>t ac<span class=\"_ _6\"></span>tua<span class=\"_ _6\"></span>l resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s acro<span class=\"_ _6\"></span>ss po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>folio<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pare<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ss gr<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>lar c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it co<span class=\"_ _6\"></span>nvers<span class=\"_ _6\"></span>ion f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tor </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a42 ff56 fs3 fc2 sc0 lsdf ws107\">approach used pr<span class=\"_ _0\"></span>eviously<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a43 w3d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls27 ws69\">LG<span class=\"_ _6\"></span>D<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72c y2a43 w3da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">The as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns be<span class=\"_ _6\"></span>hin<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD u<span class=\"_ _6\"></span>sed fo<span class=\"_ _6\"></span>r Flex<span class=\"_ _6\"></span>iPay h<span class=\"_ _6\"></span>ave previo<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y be<span class=\"_ _6\"></span>en b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on th<span class=\"_ _6\"></span>e ex<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rap<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f lim<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a44 ff56 fs3 fc2 sc0 ls12 ws16\">ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al rec<span class=\"_ _6\"></span>over<span class=\"_ _6\"></span>y da<span class=\"_ _6\"></span>ta g<span class=\"_ _6\"></span>iven t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ivel<span class=\"_ _6\"></span>y sma<span class=\"_ _6\"></span>ll l<span class=\"_ _6\"></span>evels of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n the p<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>foli<span class=\"_ _6\"></span>o to da<span class=\"_ _6\"></span>te. The a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>roac<span class=\"_ _6\"></span>h has </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a45 ff55 fs3 fc2 sc0 ls12 ws16\">be<span class=\"_ _6\"></span>en ref<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed to s<span class=\"_ _6\"></span>upp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>ta li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h su<span class=\"_ _6\"></span>bst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Lo<span class=\"_ _6\"></span>an rec<span class=\"_ _6\"></span>over<span class=\"_ _6\"></span>y info<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on, i<span class=\"_ _6\"></span>n lig<span class=\"_ _6\"></span>ht of a </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a46 ff55 fs3 fc2 sc0 ls12 ws16\">sh<span class=\"_ _6\"></span>ared re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>y p<span class=\"_ _6\"></span>roces<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e prod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>t a bor<span class=\"_ _6\"></span>rower l<span class=\"_ _6\"></span>evel an<span class=\"_ _6\"></span>d as ma<span class=\"_ _6\"></span>ny Flexi<span class=\"_ _6\"></span>Pay b<span class=\"_ _6\"></span>orrow<span class=\"_ _6\"></span>ers a<span class=\"_ _6\"></span>lso have </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a47 ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>, lea<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng to an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>roved bas<span class=\"_ _6\"></span>is for p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e L<span class=\"_ _0\"></span>GD u<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>il mo<span class=\"_ _6\"></span>re Flex<span class=\"_ _6\"></span>iPay d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a be<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>es </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a48 ff55 fs3 fc2 sc0 ls12 ws16\">avai<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le i<span class=\"_ _6\"></span>n fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a49 w3db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>cro sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72d y2a49 w3dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s m<span class=\"_ _6\"></span>acro s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>os prev<span class=\"_ _6\"></span>ious<span class=\"_ _6\"></span>ly i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ora<span class=\"_ _6\"></span>ted j<span class=\"_ _6\"></span>ust u<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt as a fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast v<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>ake<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4a ff55 fs3 fc2 sc0 ls12 ws16\">acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>oki<span class=\"_ _6\"></span>ng i<span class=\"_ _6\"></span>nfor<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p now u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>es UK u<span class=\"_ _6\"></span>nem<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt ra<span class=\"_ _6\"></span>tes, t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk-fre<span class=\"_ _6\"></span>e rat<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4b ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d GDP a<span class=\"_ _6\"></span>s the s<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast v<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>les, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h hi<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d coe<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n the<span class=\"_ _6\"></span>se va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es to </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4c ff55 fs3 fc2 sc0 ls12 ws16\">pre<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>venci<span class=\"_ _6\"></span>es, i<span class=\"_ _6\"></span>nste<span class=\"_ _6\"></span>ad of s<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ely u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g une<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent r<span class=\"_ _6\"></span>ates p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Fur<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ails a<span class=\"_ _6\"></span>re provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d lat<span class=\"_ _6\"></span>er </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4d ff56 fs3 fc2 sc0 ls12 ws16\">in t<span class=\"_ _6\"></span>his n<span class=\"_ _6\"></span>ote.<span class=\"_ _2f2\"> </span></td></tr></table></div><div class=\"t m8 h92 ff54 fs2d fc2 sc0 ls15e ws192 gs64c\">Definitions<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs64d\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns wh<span class=\"_ _6\"></span>en c<span class=\"_ _6\"></span>alcu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e ECL o<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>ets:<span class=\"_ _2f2\"> </span></div><div class=\"gs64e\"><table class=\"s w3dd hcb\" id=\"_dc555638-0e1a-41ff-9441-6a5c3a4d5482\"><tr><td class=\"c n x1be y2a4e w3de h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">Component<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72e y2a4e w3df h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">Definition/assumption<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a4f ff56 fs3 fc2 sc0 ls3d ws47\">Signific<span class=\"_ _6\"></span>ant </td><td class=\"t m0 x726 h5 y2a4f ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p assu<span class=\"_ _6\"></span>mes t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n a sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e prob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>exed </td></tr><tr><td class=\"t m0 x1b9 h5 y2a50 ff56 fs3 fc2 sc0 ls3d ws47\">increas<span class=\"_ _0\"></span>e in </td><td class=\"t m0 x726 h5 y2a50 ff55 fs3 fc2 sc0 ls2b ws66\">to th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k score of t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r has in<span class=\"_ _6\"></span>crea<span class=\"_ _6\"></span>sed over g<span class=\"_ _6\"></span>iven t<span class=\"_ _6\"></span>hres<span class=\"_ _6\"></span>hol<span class=\"_ _6\"></span>ds si<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e bal<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et </td></tr><tr><td class=\"t m0 x1b9 h5 y2a51 ff56 fs3 fc2 sc0 ls39 ws42\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a51 ff55 fs3 fc2 sc0 ls2b ws66\">da<span class=\"_ _6\"></span>te. A back<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>p is app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed for any ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s on th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent wh<span class=\"_ _6\"></span>ich exce<span class=\"_ _6\"></span>ed 3<span class=\"_ _6\"></span>0 days, in l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span> </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a52 ff55 fs3 fc2 sc0 ls12 ws16\">wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e pre<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 9.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a53 w3e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72f y2a53 w3e1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">We est<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>te PD, EA<span class=\"_ _6\"></span>D an<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD for t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>me of t<span class=\"_ _6\"></span>he T<span class=\"_ _0\"></span>erm Loa<span class=\"_ _6\"></span>n or li<span class=\"_ _6\"></span>ne of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. T<span class=\"_ _b\"></span>er<span class=\"_ _6\"></span>m Loa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a54 ff55 fs3 fc2 sc0 ls12 ws16\">ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ual te<span class=\"_ _6\"></span>rm of t<span class=\"_ _6\"></span>he T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an. Fo<span class=\"_ _6\"></span>r lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e is es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted to b<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a55 ff56 fs3 fc2 sc0 ls69 wsb9\">f<span class=\"_ _6\"></span>ive ye<span class=\"_ _6\"></span>ars<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a56 ff56 fs3 fc2 sc0 ls3d ws47\">Definit<span class=\"_ _6\"></span>ion </td><td class=\"t m0 x726 h5 y2a56 ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es a def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>, cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ied w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n non<span class=\"_ _6\"></span>-p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>, as a lo<span class=\"_ _6\"></span>an inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th any o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g </td></tr><tr><td class=\"t m0 x1b9 h5 y2a57 ff56 fs3 fc2 sc0 ls12 ws16\">of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a57 ff55 fs3 fc2 sc0 ls12 ws16\">amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts exce<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>ing 9<span class=\"_ _6\"></span>0 days p<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>eir d<span class=\"_ _6\"></span>ue da<span class=\"_ _6\"></span>te, wh<span class=\"_ _6\"></span>ich ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>int a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an is c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a58 ff55 fs3 fc2 sc0 ls5d ws84\">to be cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>red. I<span class=\"_ _6\"></span>n som<span class=\"_ _6\"></span>e circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces w<span class=\"_ _6\"></span>here l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s are bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k by the G<span class=\"_ _6\"></span>roup, t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a59 ff55 fs3 fc2 sc0 ls5d ws84\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efi<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d or or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red (\u201c<span class=\"_ _6\"></span>PO<span class=\"_ _6\"></span>CI\u201d<span class=\"_ _6\"></span>); this<span class=\"_ _6\"></span> </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5a ff55 fs3 fc2 sc0 ls12 ws16\">el<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t is th<span class=\"_ _6\"></span>erefo<span class=\"_ _6\"></span>re bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me EC<span class=\"_ _6\"></span>Ls.<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5b ff55 fs3 fc2 sc0 ls5d ws84\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ame d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>nd pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f defa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9; howeve<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, they are </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5c ff55 fs3 fc2 sc0 ls5d ws84\">ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on 12-mon<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he over<span class=\"_ _6\"></span>all ava<span class=\"_ _6\"></span>ila<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e lin<span class=\"_ _6\"></span>e of cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>evel, es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5d ff56 fs3 fc2 sc0 ls5d ws16\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ilis<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e lin<span class=\"_ _6\"></span>e of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t of de<span class=\"_ _6\"></span>faul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. The ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5e ff55 fs3 fc2 sc0 ls12 ws16\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it i<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n oth<span class=\"_ _6\"></span>er l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>n not<span class=\"_ _6\"></span>e 15.<span class=\"_ _2f2\"> </span></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls7 ws8 gs64f\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns hel<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t also i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns whi<span class=\"_ _6\"></span>ch have be<span class=\"_ _6\"></span>en bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k from inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s wit<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion of co<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs650\">con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs651\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>ise \u00a3<span class=\"_ _6\"></span>172.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a397<span class=\"_ _b\"></span>.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>ion) of d<span class=\"_ _6\"></span>rawn a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s thro<span class=\"_ _6\"></span>ug<span class=\"_ _6\"></span>h the F<span class=\"_ _6\"></span>lexi<span class=\"_ _6\"></span>Pay pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct n<span class=\"_ _6\"></span>et of ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs652\">credit loss<span class=\"_ _0\"></span> impairment.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs653\">The g<span class=\"_ _6\"></span>ross p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e plu<span class=\"_ _6\"></span>s acc<span class=\"_ _6\"></span>rue<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t of S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t is \u00a3<span class=\"_ _6\"></span>4.0 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a311<span class=\"_ _6\"></span>.3 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) and </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs654\">dr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t is \u00a3205<span class=\"_ _6\"></span>.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>ion (2024: \u00a311<span class=\"_ _6\"></span>0.0 mill<span class=\"_ _6\"></span>ion), tot<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>ing \u00a3<span class=\"_ _6\"></span>209.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a3121.3 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion), and an a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce for </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4 ws2f gs655\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t loss<span class=\"_ _6\"></span>es of \u00a31.<span class=\"_ _6\"></span>9 mill<span class=\"_ _6\"></span>ion (2024: <span class=\"_ _0\"></span>\u00a39.2 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) and \u00a332.2 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a312.9 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) r<span class=\"_ _0\"></span>esp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ively, <span class=\"_ _0\"></span>tot<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g \u00a334.1 <span class=\"_ _0\"></span>mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs656\">(202<span class=\"_ _0\"></span>4: \u00a322.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n), is hel<span class=\"_ _6\"></span>d aga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns and d<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs657\">An i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cha<span class=\"_ _6\"></span>rge of \u00a3<span class=\"_ _6\"></span>18<span class=\"_ _6\"></span>.5 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt ch<span class=\"_ _6\"></span>arge o<span class=\"_ _6\"></span>f \u00a37<span class=\"_ _b\"></span>.0 mill<span class=\"_ _6\"></span>ion) wa<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs658\">of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me in t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar to 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nsol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs659\">of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to dr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls48 ws52 gs65a\">Add<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly<span class=\"_ _0\"></span>, an expe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d credi<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t credi<span class=\"_ _6\"></span>t rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng to und<span class=\"_ _6\"></span>rawn Flex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay <span class=\"_ _0\"></span>li<span class=\"_ _6\"></span>nes of cred<span class=\"_ _6\"></span>it of \u00a30.2 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (<span class=\"_ _0\"></span>31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024: </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs65b\">\u00a31<span class=\"_ _6\"></span>.3 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on ch<span class=\"_ _6\"></span>arge) an<span class=\"_ _6\"></span>d an ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt ch<span class=\"_ _6\"></span>arge re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed to o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>uyb<span class=\"_ _6\"></span>acks o<span class=\"_ _6\"></span>f \u00a3ni<span class=\"_ _6\"></span>l (202<span class=\"_ _0\"></span>4: \u00a30.4 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs65c\">were re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n note<span class=\"_ _6\"></span>s 15 a<span class=\"_ _6\"></span>nd 27<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs65e\">The Grou<span class=\"_ _6\"></span>p band<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>eac<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>lo<span class=\"_ _6\"></span>an invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt at <span class=\"_ _0\"></span>or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n using an inte<span class=\"_ _6\"></span>rna<span class=\"_ _6\"></span>l risk rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>and ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>es credi<span class=\"_ _6\"></span>t loss<span class=\"_ _6\"></span>es on <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive por<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>foli<span class=\"_ _6\"></span>o <span class=\"_ _0\"></span>ba<span class=\"_ _6\"></span>sis<span class=\"_ _6\"></span> <span class=\"_ _0\"></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gs65f\">by produ<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>. Cred<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk gra<span class=\"_ _6\"></span>des are no<span class=\"_ _6\"></span>t repor<span class=\"_ _5\"></span>ted to mana<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>on an on<span class=\"_ _6\"></span>goi<span class=\"_ _6\"></span>ng bas<span class=\"_ _6\"></span>is and th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>on<span class=\"_ _6\"></span>ly bor<span class=\"_ _6\"></span>rower-spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n tha<span class=\"_ _6\"></span>t is </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsd5 ws16 gs660\">pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd us<span class=\"_ _6\"></span>ed is p<span class=\"_ _6\"></span>ast d<span class=\"_ _6\"></span>ue s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>s. The<span class=\"_ _6\"></span>re is no s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk to s<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c ind<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>r ge<span class=\"_ _6\"></span>ogr<span class=\"_ _6\"></span>aph<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al reg<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns.<span class=\"_ _2f2\"> </span></div><div class=\"gs558\"><table class=\"s w3e2 hcc\" id=\"_2c978e7c-e154-44bd-9b0a-12c80ec5eb54\"><tr><td></td><td class=\"t m0 x67b h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 </td><td class=\"t m0 x730 h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x731 h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x677 h28 y2a60 ff55 fs19 fc2 sc0 lsca wsee\">Performing<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x732 h28 y2a60 ff56 fs19 fc2 sc0 ls92 ws19c\">Underper<span class=\"_ _6\"></span>forming<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x733 h28 y2a60 ff55 fs19 fc2 sc0 lscb wsef\">Non-per<span class=\"_ _6\"></span>forming<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x734 h28 y2a60 ff55 fs19 fc2 sc0 lsc8 wsec\">POCI:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2a60 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h83 y2a61 ff54 fs19 fc2 sc0 lsca wsee\">Reconciliation of<span class=\"_ _0\"></span> opening to<span class=\"_ _0\"></span> closing<span class=\"_ _0\"></span> gross carrying amounts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a63 w3e3 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">At 1 Ja<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x736 y2a64 w3e4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls25 ws7d\">55.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x737 y2a64 w329 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls2f ws37\">2.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x738 y2a64 w3e5 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">4.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x739 y2a64 w3e6 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>4.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e3 y2a64 w3e7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls75 wsb4\">76.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a65 w3e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">New l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73a y2a65 w3e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">4<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73b y2a65 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73c y2a65 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x359 y2a65 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73d y2a65 w21d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">4<span class=\"_ _5\"></span>6<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a66 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a66 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a66 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73e y2a66 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73f y2a66 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x740 y2a66 w3ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a67 w3eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x741 y2a67 w3ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(14.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x742 y2a67 w3ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x743 y2a67 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a7 y2a67 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x744 y2a67 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a68 w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x745 y2a68 w3ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>0<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>7<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47e y2a68 w3f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x746 y2a68 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x747 y2a68 w3f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x748 y2a68 w3f2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls67 ws99\">(415<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a69 w3f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Wri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x662 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x663 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x664 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x665 y2a69 w7c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x749 y2a69 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6a w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74a y2a6a w3f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74b y2a6a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74c y2a6a w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74d y2a6a w2ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74e y2a6a w3f5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(6<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6b w3f6 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74f y2a6c w3f7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">9<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x750 y2a6c w118 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x751 y2a6c w3f8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x752 y2a6c w103 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls39 ws42\">8<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x753 y2a6c w3f9 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">121.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6d w3e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">New l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x754 y2a6d w3fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">7<span class=\"_ _6\"></span>78.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x755 y2a6d wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66d y2a6d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66e y2a6d wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x756 y2a6d w3fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">780.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6e w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a6e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f4 y2a6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x757 y2a6e w3fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x758 y2a6e we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6f w3fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x759 y2a6f w3fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75a y2a6f w3ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75b y2a6f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c5 y2a6f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75c y2a6f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a70 w3eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75d y2a70 w400 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls5 ws43\">(25.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75e y2a70 w401 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75f y2a70 w402 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x760 y2a70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x761 y2a70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a71 w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x762 y2a71 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x763 y2a71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x764 y2a71 w403 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4.6<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x765 y2a71 w404 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a72 w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x766 y2a72 w405 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls30 ws38\">(68<span class=\"_ _6\"></span>0.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x767 y2a72 w406 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(3.4<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x768 y2a72 w407 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x769 y2a72 w408 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76a y2a72 w409 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>8<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a73 w3f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Wri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x662 y2a73 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x663 y2a73 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76b y2a73 w40a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(<span class=\"_ _6\"></span>0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76c y2a73 w40b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(3<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76d y2a73 w40c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(4<span class=\"_ _5\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76e y2810 w40d h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">16<span class=\"_ _6\"></span>4.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76f y2810 w40e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">22.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x770 y2810 w40f h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls25 ws7d\">20.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x771 y2810 wb0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x772 y2810 w410 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>0<span class=\"_ _5\"></span>9.1<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"gs661\"><table class=\"s w12d hcd\" id=\"_8200e214-ad78-4fcd-8dc2-ed9c818f2c6e\"><tr><td></td><td class=\"t m0 x67b h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x730 h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x731 h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x773 h28 y2a75 ff55 fs19 fc2 sc0 lsca wsee\">Performing:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x732 h28 y2a75 ff55 fs19 fc2 sc0 ls14c ws17f\">Underper<span class=\"_ _6\"></span>forming<span class=\"_ _0\"></span>:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x774 h28 y2a75 ff55 fs19 fc2 sc0 lsca wsee\">Non-per<span class=\"_ _6\"></span>forming<span class=\"_ _0\"></span>:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x734 h28 y2a75 ff55 fs19 fc2 sc0 lsc8 wsec\">POCI:<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x775 h28 y2a76 ff55 fs19 fc2 sc0 ls12 ws16\">12-m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>h EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x776 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x777 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x778 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2a76 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h83 y2a77 ff54 fs19 fc2 sc0 lsca wsee\">Reconciliation of<span class=\"_ _0\"></span> opening to<span class=\"_ _0\"></span> closing<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a78 w3e3 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 1 Ja<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x779 y2a79 w1ef h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">1.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77a y2a79 w1e8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77b y2a79 w327 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77c y2a79 w411 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls4c ws108\">13.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77d y2a79 w412 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">20<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7a w413 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t new len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed asse<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77e y2a7a w414 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">12.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77f y2a7a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d2 y2a7a w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x341 y2a7a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x780 y2a7a w414 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">12.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7b w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a7b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a7b w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73e y2a7b w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x739 y2a7b w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x781 y2a7b w3ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7c w415 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>st lo<span class=\"_ _6\"></span>ans t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfe<span class=\"_ _6\"></span>rred b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x782 y2a7c w416 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x783 y2a7c w1f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">3.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x784 y2a7c wcb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x785 y2a7c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x786 y2a7c w417 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7d w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x787 y2a7d w418 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(11<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x788 y2a7d w419 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x789 y2a7d w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78a y2a7d w2e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78b y2a7d w41a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a7e w41b hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>on d<span class=\"_ _6\"></span>erec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">wr<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ten of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a7f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78e y2a7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78f y2a7f w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x790 y2a7f w7c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a80 ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>iven </td><td class=\"c n x791 y2a81 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x792 y2a81 w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x793 y2a81 w3f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x794 y2a81 w234 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x795 y2a81 w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a82 ff56 fs3 fc2 sc0 ls3d ws47\">default assumptions<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1be y2a83 w41c hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">assets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a84 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a84 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x796 y2a84 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x797 y2a84 w41d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x798 y2a84 w2ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a85 w3f6 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x799 y2a86 w41e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79a y2a86 w41f h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79b y2a86 w420 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">9.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79c y2a86 w421 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls6c wsf9\">8.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79d y2a86 w422 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a87 w413 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t new len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed asse<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79e y2a87 w3c9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">2<span class=\"_ _6\"></span>1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73b y2a87 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73c y2a87 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79f y2a87 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a0 y2a87 w423 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls71 ws7e\">22.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a88 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a88 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f4 y2a88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x757 y2a88 w3fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x758 y2a88 we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f1 w3fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a1 y29f1 w424 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a2 y29f1 w425 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">3.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x28f y29f1 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a3 y29f1 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a4 y29f1 w377 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a89 w426 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t loa<span class=\"_ _6\"></span>ns tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d bet<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a5 y2a89 w164 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a6 y2a89 w427 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">6.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a7 y2a89 w265 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">8<span class=\"_ _6\"></span>.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2a89 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a8 y2a89 w428 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>4.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a8a w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a9 y2a8a w429 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7aa y2a8a w42a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(1<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ab y2a8a w42b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ac y2a8a w42c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ad y2a8a w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>2<span class=\"_ _5\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a8b w41b hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>on d<span class=\"_ _6\"></span>erec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">wr<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ten of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a8c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a8c w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ae y2a8c w42d h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7af y2a8c w42e h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls81 wsad\">(3.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b0 y2a8c w42f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a8d w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x762 y2a8d w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b1 y2a8d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a8d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x764 y2a8d w403 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4.6<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x765 y2a8d w404 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a8e ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>iven </td><td class=\"c n x791 y2a8f w430 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">3.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b2 y2a8f w431 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(5.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b3 y2a8f w21e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">2.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b4 y2a8f w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b5 y2a8f w432 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">1.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a90 ff56 fs3 fc2 sc0 ls3d ws47\">default assumptions<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x688 y2810 w433 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">8<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b6 y2810 w434 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls81 wsad\">4.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b7 y2810 w435 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">20.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b8 y2810 w436 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2a ws39\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b9 y2810 w437 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs662\">The to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of un<span class=\"_ _6\"></span>disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ted EC<span class=\"_ _6\"></span>Ls at i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n on f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts in<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r whi<span class=\"_ _6\"></span>ch are </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs663\">ca<span class=\"_ _6\"></span>teg<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as PO<span class=\"_ _6\"></span>CI as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s was \u00a3<span class=\"_ _6\"></span>nil (2024: \u00a3nil).<span class=\"_ _2f2\"> </span></div><div class=\"gs53d\"><table class=\"s w438 hcf\" id=\"_8484a22d-9903-4659-8628-7f12193d76b4\"><tr><td></td><td></td><td></td><td class=\"t m1 x7ba h28 y2a91 ff56 fs19 fc2 sc0 lsc9 wsed\">Gross<span class=\"_ _0\"></span> lines<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x7bb h28 y2a92 ff56 fs19 fc2 sc0 ls12 ws16\">of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1af h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>sis f<span class=\"_ _6\"></span>or<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bc h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bd h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">Prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on fo<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7be h28 y2a94 ff56 fs19 fc2 sc0 ls141 ws174\">Expected<span class=\"_ _0\"></span> credit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bf h28 y2a94 ff56 fs19 fc2 sc0 lsc9 wsed\">recognition of<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bb h28 y2a94 ff56 fs19 fc2 sc0 ls12 ws16\">at a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c0 h28 y2a94 ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c1 h28 y2a94 ff56 fs19 fc2 sc0 lsca wsee\">Net carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x7c2 h28 y2a95 ff56 fs19 fc2 sc0 lsd2 wsf6\">los<span class=\"_ _6\"></span>s cover<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a95 ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>redit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6db h28 y2a95 ff56 fs19 fc2 sc0 ls136 ws165\">cost<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1b1 h28 y2a95 ff56 fs19 fc2 sc0 ls12 ws16\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c3 h28 y2a95 ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x7c4 h28 y2a96 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a96 ff56 fs19 fc2 sc0 lsc9 wsed\">loss impairment<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c5 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c6 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c7 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 hd y2a97 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _a6\"> </span><span class=\"ff56\"> <span class=\"_ _173\"> </span> <span class=\"_ _87\"> </span> <span class=\"_ _11f\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a00 w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7c8 y2a00 w41e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7c9 y2a00 w43a h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">12<span class=\"_ _0\"></span>-m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>h ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ca y2a00 w43b h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">9<span class=\"_ _5\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cb y2a00 w43c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(2.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cc y2a00 w43d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">9<span class=\"_ _6\"></span>6.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a01 w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cd y2a01 w43f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">43.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ce y2a01 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cf y2a01 w118 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d0 y2a01 w441 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d1 y2a01 wd9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2805 w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d2 y2805 w18b h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d3 y2805 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d4 y2805 w3f8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d5 y2805 w443 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d6 y2805 w1e8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a02 w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d7 y2a02 w445 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">98.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d8 y2a02 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime E<span class=\"_ _6\"></span>CL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d9 y2a02 w103 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">8<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7da y2a02 w2eb h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(8<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7db y2a02 we8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7dc y2a98 w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7dd y2a98 w3f9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">121.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7de y2a98 w446 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(22.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x640 y2a98 w447 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">99.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m1 x1b9 hd y2a99 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _18f\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _173\"> </span> <span class=\"_ _9a\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _9a\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y295e w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7df y295e w448 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e0 y295e w449 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd4 wsf8\">12-month<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e1 y295e w44a h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>4.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x636 y295e w44b h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e2 y295e w44c h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>56.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285e w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e3 y285e w44d h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">2<span class=\"_ _6\"></span>1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e4 y285e w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e5 y285e w44f h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">22.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e6 y285e w450 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.8<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e7 y285e w335 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e8 y287f w451 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">9<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e9 y287f w452 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ea y287f w40f h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">20.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7eb y287f w453 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(<span class=\"_ _6\"></span>20.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ec y287f w3c1 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ed y280d w454 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">83.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e4 y280d w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ee y280d wb0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ef y280d w455 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2a ws39\">(1<span class=\"_ _6\"></span>.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f0 y280d w2a0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f1 y280f w456 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls167 ws19e\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f2 y280f w351 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _5\"></span>0<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f3 y280f w293 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>3<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f4 y280f w457 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">175.0<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"gs665\"><table class=\"s w458 hd0\" id=\"_2e9a3642-c0dc-4c6f-9c7f-946c75854bcf\"><tr><td></td><td></td><td class=\"t m1 x6c9 h28 y2a9a ff55 fs19 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>sis f<span class=\"_ _6\"></span>or<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m1 x5b2 h28 y2a9a ff55 fs19 fc2 sc0 ls12 ws16\">Prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on fo<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x37e h28 y2a9b ff56 fs19 fc2 sc0 ls141 ws174\">Expected<span class=\"_ _0\"></span> credit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bf h28 y2a9b ff56 fs19 fc2 sc0 lsc9 wsed\">recognition of<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7ba h28 y2a9b ff56 fs19 fc2 sc0 lsc9 wsed\">Gross<span class=\"_ _0\"></span> lines<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x548 h28 y2a9b ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c1 h28 y2a9b ff56 fs19 fc2 sc0 lsca wsee\">Net carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x6d6 h28 y2a9c ff56 fs19 fc2 sc0 lsd2 wsf6\">los<span class=\"_ _6\"></span>s cover<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a9c ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>redit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f5 h28 y2a9c ff56 fs19 fc2 sc0 ls12 ws16\">of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x372 h28 y2a9c ff56 fs19 fc2 sc0 ls12 ws16\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f6 h28 y2a9c ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 h28 y2a9d ff55 fs19 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>f whi<span class=\"_ _6\"></span>ch i<span class=\"_ _6\"></span>s dra<span class=\"_ _6\"></span>wn Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f7 h28 y2a9d ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f8 h28 y2a9d ff56 fs19 fc2 sc0 lsc9 wsed\">loss impairment<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1ad h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1ae h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1bd h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 hd y2a9e ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _139\"> </span><span class=\"ff56\"> <span class=\"_ _54\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _69\"> </span> <span class=\"_ _87\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a00 w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f9 y2a00 w41e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fa y2a00 w459 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">12-mo<span class=\"_ _6\"></span>nth E<span class=\"_ _6\"></span>CL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fb y2a00 w45a h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fc y2a00 w45b h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(2.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x24a y2a00 w45c h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">9<span class=\"_ _6\"></span>4.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a01 w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fd y2a01 w45d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">43.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fe y2a01 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ff y2a01 w118 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x800 y2a01 w441 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x801 y2a01 wd9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2805 w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x802 y2805 w10a h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">89.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x803 y2805 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">L<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x804 y2805 wa8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x805 y2805 w22c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">(8.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x806 y2805 w32d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a9f w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x807 y2a9f w106 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x808 y2a9f w45e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Life<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56c y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x809 y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80a y2a98 w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80b y2a98 w45f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>10.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80c y2a98 w460 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(12<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80d y2a98 w461 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m1 x1b9 hd y2aa0 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _138\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _7d\"> </span> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y295e w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80e y295e w462 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80f y295e w463 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd4 wsf8\">12<span class=\"_ _0\"></span>-month<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x542 y295e w2c0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x810 y295e w464 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2a ws39\">(8.0<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x811 y295e w1f9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>54<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285e w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x812 y285e w465 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">21.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x813 y285e w466 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x814 y285e w467 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">22<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x815 y285e w404 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x816 y285e w468 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x817 y287f w451 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">9<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x818 y287f w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Life<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x819 y287f w469 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">19.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81a y287f w46a h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(1<span class=\"_ _6\"></span>9.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81b y287f w2a0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81c y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81d y28e0 w46b h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">L<span class=\"_ _6\"></span>ifet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x325 y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81e y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81f y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x820 y280f w139 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls167 ws19e\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x821 y280f w46c h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>0<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x35f y280f w46d h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(32<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x822 y280f wbb h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172.9<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m1 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs666\">The R<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>nd Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>ce fu<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p mon<span class=\"_ _6\"></span>ito<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>man<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld </div><div class=\"t m1 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs667\">at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late t<span class=\"_ _6\"></span>he EC<span class=\"_ _6\"></span>L es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ired fo<span class=\"_ _6\"></span>r fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g pur<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>ses. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e teams re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t to t<span class=\"_ _6\"></span>he Ch<span class=\"_ _6\"></span>ief </div><div class=\"t m1 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs668\">Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial O<span class=\"_ _6\"></span>f<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>er (\u201cC<span class=\"_ _6\"></span>FO\u201d<span class=\"_ _6\"></span>) and C<span class=\"_ _6\"></span>hie<span class=\"_ _6\"></span>f Ris<span class=\"_ _6\"></span>k O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>icer (\u201c<span class=\"_ _6\"></span>CR<span class=\"_ _6\"></span>O\u201d). Dis<span class=\"_ _6\"></span>cus<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns of es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes, p<span class=\"_ _6\"></span>roces<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re hel<span class=\"_ _6\"></span>d regu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>rly </div><div class=\"t m1 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs669\">at B<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce S<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et an<span class=\"_ _6\"></span>d Valu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on C<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tee me<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>gs al<span class=\"_ _6\"></span>ong w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h re<span class=\"_ _6\"></span>gul<span class=\"_ _6\"></span>ar up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>tes prov<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he Aud<span class=\"_ _6\"></span>it C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>e.<span class=\"_ _2f2\"> </span></div><div class=\"t m1 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs66a\">The a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce for ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>res es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to ass<span class=\"_ _6\"></span>ess i<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l loa<span class=\"_ _6\"></span>ns or w<span class=\"_ _6\"></span>hen a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lyi<span class=\"_ _6\"></span>ng s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s </div><div class=\"t m1 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs66b\">for co<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tive a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ssm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s pa<span class=\"_ _6\"></span>st ex<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>nce of h<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>l de<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>enci<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>, as wel<span class=\"_ _6\"></span>l as </div><div class=\"t m1 h5 ff55 fs3 fc2 sc0 ls2b ws66 gs66c\">for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd-<span class=\"_ _6\"></span>loo<span class=\"_ _6\"></span>ki<span class=\"_ _6\"></span>ng in<span class=\"_ _6\"></span>form<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n the fo<span class=\"_ _6\"></span>rm of ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s govern<span class=\"_ _6\"></span>ed by a Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce Sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t and Valu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>tee<span class=\"_ _6\"></span>, </div><div class=\"t m1 h5 ff55 fs3 fc2 sc0 ls2b ws66 gs66d\">whi<span class=\"_ _6\"></span>ch ob<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ins ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>uch as ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ges in i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ates, G<span class=\"_ _6\"></span>DP<span class=\"_ _b\"></span>, ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ates, u<span class=\"_ _6\"></span>nem<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt and i<span class=\"_ _6\"></span>nfl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n </div><div class=\"t m1 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs66e\">whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red fo<span class=\"_ _6\"></span>r inc<span class=\"_ _6\"></span>orp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>nto sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>os an<span class=\"_ _6\"></span>d prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wei<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>ed. Th<span class=\"_ _6\"></span>ese s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ios are u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed to d<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ive </div><div class=\"t m1 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs66f\">an a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t to th<span class=\"_ _6\"></span>e PD pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>, to refl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he im<span class=\"_ _6\"></span>pac<span class=\"_ _6\"></span>t of fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward<span class=\"_ _6\"></span>-lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on on t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g PD pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ions </div><div class=\"t m1 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs670\">es<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>she<span class=\"_ _6\"></span>d fro<span class=\"_ _6\"></span>m his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al exp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>ce.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc2 sc0 ls15f ws19b gs672\">Key cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es to ma<span class=\"_ _6\"></span>cr<span class=\"_ _6\"></span>o sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d in 20<span class=\"_ _6\"></span>25 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs673\">UK-spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>ta is o<span class=\"_ _6\"></span>bt<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ned f<span class=\"_ _6\"></span>rom a t<span class=\"_ _6\"></span>hird p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty e<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ics p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>er. A numb<span class=\"_ _6\"></span>er of d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a po<span class=\"_ _6\"></span>int<span class=\"_ _6\"></span>s were ob<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs674\">con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d by Fundi<span class=\"_ _6\"></span>ng C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e incl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing G<span class=\"_ _6\"></span>DP<span class=\"_ _b\"></span>, rea<span class=\"_ _6\"></span>l es<span class=\"_ _6\"></span>tat<span class=\"_ _6\"></span>e pri<span class=\"_ _6\"></span>ces, r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k<span class=\"_ _0\"></span>-fre<span class=\"_ _6\"></span>e ra<span class=\"_ _6\"></span>tes, an<span class=\"_ _6\"></span>d un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s, amo<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>. The </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs675\">Gro<span class=\"_ _6\"></span>up now u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses U<span class=\"_ _6\"></span>K une<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>loyme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate an<span class=\"_ _6\"></span>d GD<span class=\"_ _6\"></span>P as th<span class=\"_ _6\"></span>e sel<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t var<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s, wi<span class=\"_ _6\"></span>th h<span class=\"_ _6\"></span>isto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>lly o<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ved </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs676\">coe<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>ese va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es prov<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ng im<span class=\"_ _6\"></span>proved p<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tive v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of ins<span class=\"_ _6\"></span>olve<span class=\"_ _6\"></span>ncy u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g tec<span class=\"_ _6\"></span>hni<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs677\">com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red to un<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ploy<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t al<span class=\"_ _6\"></span>one w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h was us<span class=\"_ _6\"></span>ed p<span class=\"_ _6\"></span>reviou<span class=\"_ _6\"></span>sly. The Gro<span class=\"_ _6\"></span>up prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>sly a<span class=\"_ _6\"></span>lso u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed u<span class=\"_ _6\"></span>psi<span class=\"_ _6\"></span>de, do<span class=\"_ _6\"></span>wnsi<span class=\"_ _6\"></span>de a<span class=\"_ _6\"></span>nd ba<span class=\"_ _6\"></span>sel<span class=\"_ _6\"></span>ine </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs678\">proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons f<span class=\"_ _6\"></span>rom th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ics p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>er for ea<span class=\"_ _6\"></span>ch mac<span class=\"_ _6\"></span>ro vari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>t. The G<span class=\"_ _6\"></span>roup u<span class=\"_ _6\"></span>pda<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>ts ap<span class=\"_ _6\"></span>pro<span class=\"_ _6\"></span>ach to us<span class=\"_ _6\"></span>e base<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs679\">of ma<span class=\"_ _6\"></span>cro va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e inp<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>s fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>mic<span class=\"_ _6\"></span>s provi<span class=\"_ _6\"></span>der, and in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly ge<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>rate t<span class=\"_ _6\"></span>wo a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ios u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ing a c<span class=\"_ _6\"></span>yclic<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs67a\">in<span class=\"_ _6\"></span>dex (\u201cC<span class=\"_ _6\"></span>I\u201d<span class=\"_ _6\"></span>) ap<span class=\"_ _6\"></span>pro<span class=\"_ _6\"></span>ach wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>s a mea<span class=\"_ _6\"></span>sure of w<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>omy si<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cred<span class=\"_ _6\"></span>it c<span class=\"_ _6\"></span>ycle a<span class=\"_ _6\"></span>t a give<span class=\"_ _6\"></span>n poi<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n tim<span class=\"_ _6\"></span>e. The b<span class=\"_ _6\"></span>ase </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs67b\">ca<span class=\"_ _6\"></span>se ma<span class=\"_ _6\"></span>cro var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>ble i<span class=\"_ _6\"></span>np<span class=\"_ _6\"></span>ut fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>s provi<span class=\"_ _6\"></span>der a<span class=\"_ _6\"></span>re use<span class=\"_ _6\"></span>d to de<span class=\"_ _6\"></span>rive a fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast o<span class=\"_ _6\"></span>f CI rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive to CI a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs67c\">sh<span class=\"_ _6\"></span>eet d<span class=\"_ _6\"></span>ate. T<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>wo ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s are de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by se<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>nfi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nce i<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>als o<span class=\"_ _6\"></span>r sever<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s from t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs67d\">his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al C<span class=\"_ _6\"></span>I dis<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs67e\">Previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly th<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>ree sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>os were we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted 3<span class=\"_ _6\"></span>0% down<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>e, 60% b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e and 1<span class=\"_ _6\"></span>0% ups<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>e. The p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y weig<span class=\"_ _6\"></span>ht<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs67f\">to th<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>ios a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 has b<span class=\"_ _6\"></span>een u<span class=\"_ _6\"></span>pd<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to refl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he CI over t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>. Info<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs680\">rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to the m<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>roec<span class=\"_ _6\"></span>ono<span class=\"_ _6\"></span>mic d<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>vers u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n crea<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ngs a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rib<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ted to t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs681\">sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>ios i<span class=\"_ _6\"></span>s ill<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ated b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"gs682\"><table class=\"s w46e hd1\" id=\"_83a1548c-6463-40e0-bf24-cdf35b8f17fa\"><tr><td class=\"t m0 x250 h28 y2aa1 ff55 fs19 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>cro<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>c dr<span class=\"_ _6\"></span>ive<span class=\"_ _6\"></span>rs (ave<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ge </td><td></td><td class=\"t m0 x823 h28 y2aa1 ff56 fs19 fc2 sc0 ls12 ws16\">2026<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x824 h28 y2aa1 ff55 fs19 fc2 sc0 lsce wsf1\">2027<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x524 h28 y2aa1 ff56 fs19 fc2 sc0 lseb ws110\">2028<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x825 h28 y2aa1 ff56 fs19 fc2 sc0 lsce wsf1\">2029<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x523 h28 y2aa1 ff56 fs19 fc2 sc0 lsce wsf1\">203<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2aa2 w46f h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">for t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>st ye<span class=\"_ _6\"></span>ar)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x826 y2aa2 w470 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L sc<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>io<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x827 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x828 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67a h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x829 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x82a h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28f5 w471 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Unemployment rat<span class=\"_ _0\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82b y28f5 w17b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82c y28f5 w472 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2f ws37\">5.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82d y28f5 w473 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82e y28f5 w327 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82f y28f5 w474 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">4.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x830 y28f5 w36 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w475 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x831 y28b9 w476 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>se c<span class=\"_ _6\"></span>ase<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x832 y28b9 w477 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">3.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x833 y28b9 w13f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x834 y28b9 w478 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x835 y28b9 w479 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y28b9 w47a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">2.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w47b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">GD<span class=\"_ _6\"></span>P Y<span class=\"_ _b\"></span>o<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x836 y280f w47c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Base c<span class=\"_ _6\"></span>ase<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x837 y280f w331 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x838 y280f wb1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x839 y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83a y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83b y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs683\">Un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>s forec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t to pe<span class=\"_ _6\"></span>ak at 5<span class=\"_ _6\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>% du<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e hike in e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyers<span class=\"_ _6\"></span>\u2019 NIC<span class=\"_ _6\"></span>s and t<span class=\"_ _6\"></span>he N<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al Li<span class=\"_ _6\"></span>vin<span class=\"_ _6\"></span>g Wage, b<span class=\"_ _6\"></span>efo<span class=\"_ _6\"></span>re gra<span class=\"_ _6\"></span>dua<span class=\"_ _6\"></span>lly </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs684\">recove<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g towa<span class=\"_ _6\"></span>rds a lo<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>-ru<span class=\"_ _6\"></span>n level o<span class=\"_ _6\"></span>f c.4<span class=\"_ _0\"></span>%.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs685\">The r<span class=\"_ _6\"></span>isk-f<span class=\"_ _6\"></span>ree ra<span class=\"_ _6\"></span>te is exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>o redu<span class=\"_ _6\"></span>ce as b<span class=\"_ _6\"></span>ase r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>re cut g<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>dua<span class=\"_ _6\"></span>lly.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs686\">GD<span class=\"_ _6\"></span>P grow<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h in t<span class=\"_ _6\"></span>he ne<span class=\"_ _6\"></span>ar te<span class=\"_ _6\"></span>rm in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes fi<span class=\"_ _6\"></span>sc<span class=\"_ _6\"></span>al lo<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g ann<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he 2025 UK g<span class=\"_ _6\"></span>overn<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t bud<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>t and t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ron<span class=\"_ _6\"></span>t loa<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs687\">of so<span class=\"_ _6\"></span>me c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al sp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g, be<span class=\"_ _6\"></span>fore rever<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g to a lon<span class=\"_ _6\"></span>g-<span class=\"_ _6\"></span>run ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e of c.1.5%.<span class=\"_ _2f2\"> </span></div><div class=\"gs688\"><table class=\"s w47d hd2\" id=\"_69659740-7e71-4850-a7d4-84d28403b8e6\"><tr><td></td><td class=\"t m0 x41a h28 y2aa4 ff53 fs19 fc3 sc0 lsdb ws103\">Probability w<span class=\"_ _0\"></span>eighting<span class=\"_ _0\"></span> applied at<span class=\"_ _0\"></span> <span class=\"ls12 ws16\"> </span></td><td class=\"t m0 x51e h28 y2aa4 ff55 fs19 fc2 sc0 lsc9 wsed\">Probability weighting applied<span class=\"_ _0\"></span> at <span class=\"ff56 ls12 ws16\"> </span></td></tr><tr><td></td><td class=\"t m0 x83c h28 y2aa5 ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025  </td><td class=\"t m0 x683 h28 y2aa5 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>024 <span class=\"ff56\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2aa6 ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>o<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x473 h28 y2aa6 ff53 fs19 fc3 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x82a h28 y2aa6 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28b8 w17b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>se<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83d y28b8 w47e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2a ws39\">70<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83e y28b8 w47f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd9 ws65\">60<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w181 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd4 wsf8\">Upside<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83f y28b9 wd3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">15<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x840 y28b9 w132 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">10<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w188 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">Downside<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x841 y280f w480 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">15<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x291 y280f w481 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd9 ws65\">30<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs689\">A se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to th<span class=\"_ _6\"></span>ese as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s on t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>ed ECL i<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n note 2.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15f ws19b gs68a\">Cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk q<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of li<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>s of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs68b\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ive m<span class=\"_ _6\"></span>ovemen<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re sin<span class=\"_ _6\"></span>ce or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on in i<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>ave met t<span class=\"_ _6\"></span>he SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs68c\">The fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>ble i<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes t<span class=\"_ _6\"></span>he cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k qu<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et of EC<span class=\"_ _6\"></span>L by pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re bra<span class=\"_ _6\"></span>cket for e<span class=\"_ _6\"></span>ach </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs68d\">st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e as at t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et da<span class=\"_ _6\"></span>te. </div><div class=\"gs68e\"><table class=\"s w482 hd3\" id=\"_e0971fda-8b0f-4021-adbb-4171dd7ce164\"><tr><td></td><td></td><td class=\"t m0 x685 h28 y2aa7 ff53 fs19 fc3 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ry<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x842 h28 y2aa8 ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x843 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x685 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x844 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24e h28 y2aa9 ff53 fs19 fc3 sc0 lsc8 wsec\">POCI<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x523 h28 y2aa9 ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2aaa ff55 fs19 fc2 sc0 lsca wsee\">Risk banding<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x524 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2902 w483 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Higher risk<span class=\"_ _0\"></span> banding<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x845 y2902 w484 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">4<span class=\"_ _6\"></span>8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x846 y2902 wab h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">1<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x847 y2902 w3c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x848 y2902 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x849 y2902 w2bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">66.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w485 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Me<span class=\"_ _6\"></span>diu<span class=\"_ _6\"></span>m ris<span class=\"_ _6\"></span>k ba<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84a y2860 w486 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">51<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84b y2860 w487 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84c y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84d y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84e y2860 w488 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls24 ws2c\">51.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w489 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lower r<span class=\"_ _6\"></span>isk b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ing<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84f y2861 w208 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">54.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x850 y2861 w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x851 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x852 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x853 y2861 w48a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">5<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w268 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsec ws111\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x854 y2810 w48b h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>54<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x855 y2810 w468 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x856 y2810 w2a0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x857 y2810 w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x858 y2810 w25e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>72.9<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"gs690\"><table class=\"s w48c hd4\" id=\"_39cebbb3-6a2e-4317-a3e1-2ea108f3a658\"><tr><td></td><td></td><td class=\"t m1 x859 h28 y2aab ff55 fs19 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ne<span class=\"_ _6\"></span>t ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1b9 h28 y2aac ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>024<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x2ac h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1af h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f5 h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a1 h28 y2aad ff55 fs19 fc2 sc0 lsc8 wsec\">POCI<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85a h28 y2aad ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 h28 y2aae ff55 fs19 fc2 sc0 lsca wsee\">Risk banding<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85b h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6da h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6db h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85c h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x407 h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y285e w483 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Higher risk<span class=\"_ _0\"></span> banding<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85d y285e w48d h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85e y285e w48e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85f y285e w161 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x860 y285e w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x861 y285e w48f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">39.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w485 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Me<span class=\"_ _6\"></span>diu<span class=\"_ _6\"></span>m ris<span class=\"_ _6\"></span>k ba<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x862 y287f w490 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">2<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x863 y287f w491 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x864 y287f w2ab h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x865 y287f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x866 y287f w492 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls77 ws7c\">28.<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w489 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lower r<span class=\"_ _6\"></span>isk b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ing<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x867 y280d w31f h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">29.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x868 y280d w1a1 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x869 y280d w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86a y280d w22 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86b y280d w493 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">29.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86c y280f w494 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">94.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86d y280f w495 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86e y280f w1e8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86f y280f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x870 y280f w34c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls160 ws19f gs691\">Credit risk associated with other financia<span class=\"_ _6\"></span>l assets<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs692\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s rela<span class=\"_ _6\"></span>te to th<span class=\"_ _6\"></span>e un<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>lyi<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>l of SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>gac<span class=\"_ _6\"></span>y ware<span class=\"_ _6\"></span>hou<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs693\">SPVs t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>ave sin<span class=\"_ _6\"></span>ce be<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>urcha<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>r nova<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>nto ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es, bu<span class=\"_ _6\"></span>t rem<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n hel<span class=\"_ _6\"></span>d at F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs694\">mo<span class=\"_ _6\"></span>del o<span class=\"_ _6\"></span>f ho<span class=\"_ _6\"></span>ldi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he lo<span class=\"_ _6\"></span>ans fo<span class=\"_ _6\"></span>r sa<span class=\"_ _6\"></span>le. Ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>lly, loa<span class=\"_ _6\"></span>ns or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion of s<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g onwa<span class=\"_ _6\"></span>rds are i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs695\">in t<span class=\"_ _6\"></span>his c<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>go<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs696\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e rece<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he invoi<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>d amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of s<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g fees d<span class=\"_ _6\"></span>ue f<span class=\"_ _6\"></span>rom in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l invest<span class=\"_ _6\"></span>ors. T<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs697\">los<span class=\"_ _6\"></span>s is de<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ed m<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>mal b<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e cou<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies are we<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>-es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs698\">On<span class=\"_ _6\"></span>goi<span class=\"_ _6\"></span>ng cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t eva<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on is p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ed on t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d, whe<span class=\"_ _6\"></span>re ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate, a prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on for </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs699\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s is rec<span class=\"_ _6\"></span>orde<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs69a\">In<span class=\"_ _6\"></span>div<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al r<span class=\"_ _6\"></span>isk l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r ban<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns are se<span class=\"_ _6\"></span>t by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p wi<span class=\"_ _6\"></span>th refe<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>ce to ex<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g age<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>es. T<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs69b\">Gro<span class=\"_ _6\"></span>up\u2019s T<span class=\"_ _0\"></span>reasur<span class=\"_ _6\"></span>y Po<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>cy has s<span class=\"_ _6\"></span>et l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd qu<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup mu<span class=\"_ _6\"></span>st re<span class=\"_ _6\"></span>mai<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in. N<span class=\"_ _6\"></span>o cred<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r cou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts we<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs69c\">excee<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year. The Gro<span class=\"_ _6\"></span>up\u2019s c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s sp<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t by S&amp;<span class=\"_ _6\"></span>P cou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rpa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng we<span class=\"_ _6\"></span>re A<span class=\"_ _6\"></span>/A- rate<span class=\"_ _6\"></span>d: \u00a367<span class=\"_ _b\"></span>.7 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs69d\">(202<span class=\"_ _0\"></span>4: \u00a351.4 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on), A<span class=\"_ _0\"></span>+ or b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r ra<span class=\"_ _6\"></span>ted: \u00a3<span class=\"_ _6\"></span>84.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a313<span class=\"_ _6\"></span>6.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on), and be<span class=\"_ _6\"></span>low A- r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d: \u00a3ni<span class=\"_ _6\"></span>l (202<span class=\"_ _0\"></span>4: \u00a3ni<span class=\"_ _6\"></span>l)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2d ws5 gs69e\">Liquidity risk </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs69f\">Liq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ris<span class=\"_ _6\"></span>k is th<span class=\"_ _6\"></span>e ri<span class=\"_ _6\"></span>sk th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>ill n<span class=\"_ _6\"></span>ot b<span class=\"_ _6\"></span>e abl<span class=\"_ _6\"></span>e to me<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>ts f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns as t<span class=\"_ _6\"></span>hey fa<span class=\"_ _6\"></span>ll d<span class=\"_ _6\"></span>ue. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s ap<span class=\"_ _6\"></span>proa<span class=\"_ _6\"></span>ch to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6a0\">ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>ing l<span class=\"_ _6\"></span>iqu<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>s to ensu<span class=\"_ _6\"></span>re, as fa<span class=\"_ _6\"></span>r as po<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t wil<span class=\"_ _6\"></span>l alw<span class=\"_ _6\"></span>ays have su<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>icie<span class=\"_ _6\"></span>nt f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial res<span class=\"_ _6\"></span>ourc<span class=\"_ _6\"></span>es to me<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>ts l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies w<span class=\"_ _6\"></span>hen </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs6a1\">du<span class=\"_ _6\"></span>e, und<span class=\"_ _6\"></span>er bo<span class=\"_ _6\"></span>th n<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>mal an<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ress<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns, wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g una<span class=\"_ _6\"></span>cce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e los<span class=\"_ _6\"></span>ses o<span class=\"_ _6\"></span>r ris<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>g dam<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e to the G<span class=\"_ _6\"></span>roup\u2019s p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6a2\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s liq<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n is mo<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tore<span class=\"_ _6\"></span>d and revi<span class=\"_ _6\"></span>ewed o<span class=\"_ _6\"></span>n an o<span class=\"_ _6\"></span>ngo<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g bas<span class=\"_ _6\"></span>is by th<span class=\"_ _6\"></span>e Dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ors. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6a3\">The a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es are t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al u<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows. T<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts of b<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>k </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6a4\">bo<span class=\"_ _6\"></span>rrowi<span class=\"_ _6\"></span>ngs a<span class=\"_ _6\"></span>re me<span class=\"_ _6\"></span>t from c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s gen<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ated by i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6a5\">The m<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ysis of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 and 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024 is as fol<span class=\"_ _6\"></span>lows: </div><div class=\"gs6a6\"><table class=\"s w496 hd5\" id=\"_fa6cf4d5-c49b-4a1c-8059-aff9423b4b76\"><tr><td></td><td></td><td class=\"t m0 x871 h28 y2aaf ff53 fs19 fc3 sc0 lsc2 wsdb\">Bet<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x6cd h28 y2aaf ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x872 h28 y2ab0 ff53 fs19 fc3 sc0 lsc8 wsec\">Less<span class=\"_ _0\"></span> than<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x873 h28 y2ab0 ff53 fs19 fc3 sc0 lsca wsee\">3 months<span class=\"_ _0\"></span> and<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x874 h28 y2ab0 ff53 fs19 fc3 sc0 ls12 ws16\">Be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2ab0 ff53 fs19 fc3 sc0 ls12 ws16\">Ove<span class=\"_ _6\"></span>r </td><td class=\"t m0 x875 h28 y2ab0 ff53 fs19 fc3 sc0 lsdb ws103\">undiscount<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7c0 h28 y2ab0 ff53 fs19 fc3 sc0 lscb wsef\">Impact of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x876 h28 y2ab0 ff53 fs19 fc3 sc0 lsca wsee\">Carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x877 h28 y2ab1 ff53 fs19 fc3 sc0 lsca wsee\">3 months<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x878 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">1 yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x879 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d 5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x642 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1aa h28 y2ab1 ff53 fs19 fc3 sc0 lsc8 wsec\">cash flo<span class=\"_ _0\"></span>ws<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x373 h28 y2ab1 ff60 fs19 fc3 sc0 lsdb ws103\">discounting<span class=\"_ _0\"></span>\u200a</td><td class=\"t m0 x4ac h28 y2ab1 ff53 fs19 fc3 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h83 y2ab2 ff54 fs19 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87a h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6ce h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87b h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87c h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ab h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87d h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2ab3 ff54 fs3 fc2 sc0 ls9c ws36\">Financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _57\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _28e\"> </span> <span class=\"_ _101\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x87e y285e w497 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x87f y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x880 y285e w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x881 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x882 y285e w215 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x883 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x884 y285e w35 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>6.7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x885 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x886 y287f w498 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x887 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x888 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x889 y287f w499 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88a y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88b y287f w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88c y28e0 w49a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88d y28e0 w49b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88e y28e0 w49c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(5.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88f y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x890 y28e0 wdb h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x891 y28e0 w49d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x892 y28e0 w398 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x893 y280f w64 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x894 y280f w49e h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(268.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x895 y280f w49c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(5<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x896 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x897 y280f w49f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls25 ws7d\">(281.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x898 y280f w49d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x899 y280f w39d h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(28<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"gs6a7\"><table class=\"s w4a0 hd5\" id=\"_adc87d44-7c72-4faf-bf67-f5bdfefa450b\"><tr><td></td><td></td><td class=\"t m0 x89a h28 y2ab4 ff55 fs19 fc2 sc0 lsca wsee\">Between<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x1ad h28 y2ab4 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x877 h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Les<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>an<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x376 h28 y2ab5 ff56 fs19 fc2 sc0 ls12 ws16\">3 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs an<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89b h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2ab5 ff56 fs19 fc2 sc0 lsca wsee\">Over<span class=\"_ _0\"></span> </td><td class=\"t m0 x89c h28 y2ab5 ff56 fs19 fc2 sc0 lsc9 wsed\">undiscounted<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89d h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>f<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37d h28 y2ab5 ff56 fs19 fc2 sc0 lsfc ws124\">Carr<span class=\"_ _6\"></span>ying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x89e h28 y2ab6 ff56 fs19 fc2 sc0 ls12 ws16\">3 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89f h28 y2ab6 ff56 fs19 fc2 sc0 ls12 ws16\">1 yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2ac h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d 5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a0 h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a1 h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">ca<span class=\"_ _6\"></span>sh f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a5 h28 y2ab6 ff56 fs19 fc2 sc0 lsc9 wsed\">discounting<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7f6 h28 y2ab6 ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2ab7 ff55 fs19 fc2 sc0 ls12 ws16\">At 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2024<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87a h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6ce h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87b h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a2 h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ab h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87d h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2ab8 ff54 fs3 fc2 sc0 ls9c ws36\">Financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _28f\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _101\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _101\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a3 y285e w4a1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8<span class=\"_ _6\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a4 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a5 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a6 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a7 y285e w4a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a8 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a9 y285e w393 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8<span class=\"_ _6\"></span>.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x885 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8aa y287f w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ab y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ac y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ad y287f w396 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ae y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8af y287f w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b0 y280d w4a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b1 y280d w441 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b2 y280d w4a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b3 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b4 y280d w4a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b5 y280d w4a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b6 y280d w39b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x893 y280f w22c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">(8.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b7 y280f w4a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(103.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b8 y280f w4a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b9 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ba y280f w4a9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(11<span class=\"_ _6\"></span>9.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b5 y280f w4a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8bb y280f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>8<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gs6a9\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pri<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he dr<span class=\"_ _6\"></span>awn ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>n a comm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ted le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y in th<span class=\"_ _6\"></span>e Flex<span class=\"_ _6\"></span>iPay a<span class=\"_ _6\"></span>nd sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6aa\">of \u00a3267<span class=\"_ _b\"></span>.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a310<span class=\"_ _6\"></span>1.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) at a f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing r<span class=\"_ _6\"></span>ate of i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A pl<span class=\"_ _6\"></span>us a ma<span class=\"_ _6\"></span>rgin<span class=\"_ _6\"></span>. </div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2a ws33 gs6ab\">Market ri<span class=\"_ _0\"></span>sk<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs6ac\">Ma<span class=\"_ _6\"></span>rket r<span class=\"_ _6\"></span>isk is t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue of f<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ture c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f a fin<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt wi<span class=\"_ _6\"></span>ll f<span class=\"_ _6\"></span>luc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ate b<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>e of cha<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>s in ma<span class=\"_ _6\"></span>rket </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs6ad\">pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s. The G<span class=\"_ _6\"></span>roup\u2019s m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket ris<span class=\"_ _6\"></span>k ari<span class=\"_ _6\"></span>ses f<span class=\"_ _6\"></span>rom op<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons i<span class=\"_ _6\"></span>n inte<span class=\"_ _6\"></span>rest-<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>, to the ex<span class=\"_ _5\"></span>tent t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e are </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs6ae\">exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic ma<span class=\"_ _6\"></span>rket m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>. </div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15e ws1a0 gs6af\">a)<span class=\"_ _0\"></span> Other price risk<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4d ws5e gs6b0\">The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of t<span class=\"_ _6\"></span>he SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>n fl<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ate de<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>n mar<span class=\"_ _6\"></span>ket pr<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls4d ws16 gs6b1\">of rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>. Thi<span class=\"_ _6\"></span>s is ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ate us<span class=\"_ _6\"></span>ed to d<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>ve a valu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n for th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s. </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls4d ws16 gs6b2\">A sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to th<span class=\"_ _6\"></span>e disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes us<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>red at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4d ws5e gs6b3\">an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch are ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ed to g<span class=\"_ _6\"></span>reate<span class=\"_ _6\"></span>r es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n unc<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y is d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>lose<span class=\"_ _6\"></span>d in n<span class=\"_ _6\"></span>ote 2.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15f ws19b gs6b4\">b) In<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ate r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6b5\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t rate r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s thro<span class=\"_ _6\"></span>ug<span class=\"_ _6\"></span>h draw<span class=\"_ _6\"></span>n com<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ng fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>nd </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6b6\">on f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t in SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans. </div><div class=\"t m8 h92 ff54 fs2d fc2 sc0 ls15e ws1a0 gs6b7\">Non-trading interest<span class=\"_ _0\"></span> rate ri<span class=\"_ _0\"></span>sk<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gs6b8\">The Gro<span class=\"_ _6\"></span>up\u2019s inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t risk on fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nts is lim<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ed to intere<span class=\"_ _6\"></span>st rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>ble on lo<span class=\"_ _6\"></span>an no<span class=\"_ _6\"></span>te invest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts, ca<span class=\"_ _6\"></span>sh and ca<span class=\"_ _6\"></span>sh equ<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>len<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gs6b9\">ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces an<span class=\"_ _6\"></span>d interes<span class=\"_ _6\"></span>t on bon<span class=\"_ _6\"></span>ds and ba<span class=\"_ _6\"></span>nk bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>. The matu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies of fin<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to intere<span class=\"_ _6\"></span>st rat<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>ri<span class=\"_ _6\"></span>sk are as <span class=\"_ _0\"></span>fol<span class=\"_ _6\"></span>lows:<span class=\"_ _2f2\"> </span></div><div class=\"gs6ba\"><table class=\"s w9d hd6\" id=\"_8b437764-2779-4b77-b942-351d8cebc9fe\"><tr><td></td><td class=\"c n x8bc y2ab9 w4aa h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Les<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>an 3 m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x8bd y2ab9 w4ab h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 3 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs an<span class=\"_ _6\"></span>d 1 yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x8be y2ab9 w4ac h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">B<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en 1 a<span class=\"_ _6\"></span>nd 5 ye<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8bf h28 y2aba ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x41a h28 y2aba ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8c0 h28 y2aba ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x418 h28 y2aba ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x419 h28 y2aba ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2aba ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2abb ff55 fs19 fc2 sc0 ls12 ws16\">At 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8c1 h28 y2abb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67c h28 y2abb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x774 h28 y2abb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67a h28 y2abb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8c2 h28 y2abb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2abb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y2abc ff54 fs3 fc2 sc0 ls5d ws84\">Fi<span class=\"_ _6\"></span>xed r<span class=\"_ _6\"></span>ate<span class=\"_ _291\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _98\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _ef\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2970 w4ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns at a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c3 y2970 we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c4 y2970 w4ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c5 y2970 w203 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c6 y2970 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c7 y2970 w4af h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c8 y2970 w33b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2abd w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c9 y2abd w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ca y2abd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cb y2abd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cc y2abd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cd y2abd w381 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ce y2abd wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2972 wb9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cf y2972 w4b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">52.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d0 y2972 w4b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">42.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d1 y2972 w4b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">96.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d2 y2972 w347 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">4<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d3 y2972 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d4 y2972 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y295d w4b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd lo<span class=\"_ _6\"></span>ss</div><div class=\"t m0 x8d5 h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d6 y295d w265 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">3.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d7 y295d wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d8 y295d w4b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">75.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d9 y295d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8da y295d w4b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls51 wsa7\">42.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8db y295d w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2abe ff54 fs3 fc2 sc0 lsd4 wsf8\">Floating rat<span class=\"_ _0\"></span>e<span class=\"_ _293\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _98\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _ef\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1be y285e w4b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t</div><div class=\"t m0 x8dc h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8dd y285e w4b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">24<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8de y285e w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8df y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e0 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e1 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e2 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e3 y287f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">152<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e4 y287f w4b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e5 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e6 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e7 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e8 y287f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y28e0 w4b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s</div><div class=\"t m0 x8e9 h3c y27b1 ff56 fs21 fc2 sc0 ls12 ws16\">2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ea y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8eb y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ec y28e0 w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ed y28e0 w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ee y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ef y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x8f0 y280f w4b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>2<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f1 y280f w44c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls77 ws7c\">238<span class=\"_ _6\"></span>.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f2 y280f w4ba h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(9<span class=\"_ _6\"></span>5.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f3 y280f w4bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(5<span class=\"_ _6\"></span>4.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f4 y280f w4bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">5<span class=\"_ _6\"></span>6.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ae y280f w4bd h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs6bb\">1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>T<span class=\"_ _6\"></span>he<span class=\"_ gs546\"> </span>S<span class=\"_ _6\"></span>ME<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>at<span class=\"_ gs546\"> </span>f<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>val<span class=\"_ _6\"></span>ue<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>hr<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>gh<span class=\"_ gs546\"> </span>p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>and<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>ar<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>as<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>nt<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce<span class=\"_ gs546\"> </span>s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>,<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>fl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>is<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>se<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>l.<span class=\"_ gs546\"> </span>Th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ab<span class=\"_ _6\"></span>ove<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 ls168 ws1a1 gs6bc\">represents the contractual maturities.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs6bd\">2.<span class=\"_ gs546\"> </span><span class=\"_ _4\"> </span>Flo<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g<span class=\"_ gs546\"> </span>ra<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>nt<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>he<span class=\"_ gs546\"> </span>C<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>hb<span class=\"_ _6\"></span>ack<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>wh<span class=\"_ _6\"></span>ich<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>rg<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>a<span class=\"_ gs546\"> </span>va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>nn<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>pe<span class=\"_ _6\"></span>rce<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ra<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>in<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6be\">The<span class=\"_ _6\"></span>re are no f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>r lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th a m<span class=\"_ _6\"></span>atu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of over f<span class=\"_ _6\"></span>ive yea<span class=\"_ _6\"></span>rs.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc2 sc0 ls15f ws19b gs6bf\">In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ris<span class=\"_ _6\"></span>k se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>alys<span class=\"_ _6\"></span>is \u2013 n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>adi<span class=\"_ _6\"></span>ng i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t (f<span class=\"_ _6\"></span>ixe<span class=\"_ _6\"></span>d ra<span class=\"_ _6\"></span>te)<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6c0\">In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans w<span class=\"_ _6\"></span>as f<span class=\"_ _6\"></span>ixed u<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>il t<span class=\"_ _6\"></span>he ma<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>nd is n<span class=\"_ _6\"></span>ot i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d by ma<span class=\"_ _6\"></span>rket r<span class=\"_ _6\"></span>ate ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es. Th<span class=\"_ _6\"></span>e level o<span class=\"_ _6\"></span>f </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6c1\">fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t rate re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le wo<span class=\"_ _6\"></span>uld b<span class=\"_ _6\"></span>e si<span class=\"_ _6\"></span>mil<span class=\"_ _6\"></span>ar to t<span class=\"_ _6\"></span>hat re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ived i<span class=\"_ _6\"></span>n the ye<span class=\"_ _6\"></span>ar an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of move<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts in i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s on th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6c2\">val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red im<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>al to t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019s over<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>l per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e for th<span class=\"_ _6\"></span>e year.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc2 sc0 ls15e ws1a0 gs6c3\">Interest rate<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span> sensitivity analysis \u2013<span class=\"_ _0\"></span> non-trading int<span class=\"_ _0\"></span>erest (floating<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6c4\">In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es is su<span class=\"_ _6\"></span>bj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to movem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in b<span class=\"_ _6\"></span>ase ra<span class=\"_ _6\"></span>tes. T<span class=\"_ _6\"></span>he Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s mon<span class=\"_ _6\"></span>ito<span class=\"_ _6\"></span>r in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ris<span class=\"_ _6\"></span>k and </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6c5\">no<span class=\"_ _6\"></span>te th<span class=\"_ _6\"></span>at ba<span class=\"_ _6\"></span>se ra<span class=\"_ _6\"></span>tes are a<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to de<span class=\"_ _6\"></span>crea<span class=\"_ _6\"></span>se in t<span class=\"_ _6\"></span>he ne<span class=\"_ _6\"></span>ar te<span class=\"_ _6\"></span>rm. A 1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0 bps d<span class=\"_ _6\"></span>ecre<span class=\"_ _6\"></span>ase i<span class=\"_ _6\"></span>n ann<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed to c<span class=\"_ _6\"></span>ash </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6c6\">an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nt ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nces t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ds in i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest-<span class=\"_ _6\"></span>bea<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 woul<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6c7\">in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e by \u00a31.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6c8\">In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on b<span class=\"_ _6\"></span>ank b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>gs rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t are su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e S<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g Over<span class=\"_ _6\"></span>nig<span class=\"_ _6\"></span>ht I<span class=\"_ _6\"></span>ndex </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6c9\">Averag<span class=\"_ _6\"></span>e Ra<span class=\"_ _6\"></span>te (\u201cS<span class=\"_ _6\"></span>ONI<span class=\"_ _6\"></span>A<span class=\"_ _0\"></span>\u201d). The G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly pro<span class=\"_ _6\"></span>tec<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>sel<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh t<span class=\"_ _6\"></span>he us<span class=\"_ _6\"></span>e of an in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ca<span class=\"_ _6\"></span>p wi<span class=\"_ _6\"></span>th a s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ike pr<span class=\"_ _6\"></span>ice o<span class=\"_ _6\"></span>f 6.5% </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6ca\">an<span class=\"_ _6\"></span>d a not<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>hat i<span class=\"_ _6\"></span>ncre<span class=\"_ _6\"></span>ases i<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>ne wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed dr<span class=\"_ _6\"></span>awdow<span class=\"_ _6\"></span>ns on t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>or bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f the </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs6cb\">in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t rat<span class=\"_ _6\"></span>e cap i<span class=\"_ _6\"></span>s not m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>al to t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6cc\">If S<span class=\"_ _6\"></span>ON<span class=\"_ _6\"></span>IA were t<span class=\"_ _6\"></span>o inc<span class=\"_ _6\"></span>rease by 1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0 bps, b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>rawn b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e at 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025, th<span class=\"_ _6\"></span>e ann<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6cd\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s wou<span class=\"_ _6\"></span>ld i<span class=\"_ _6\"></span>ncrea<span class=\"_ _6\"></span>se by \u00a32.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a31.0 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g any im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ate c<span class=\"_ _6\"></span>ap)<span class=\"_ _0\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6ce\">Add<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly<span class=\"_ _0\"></span>, whi<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he fe<span class=\"_ _6\"></span>es cha<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>d on Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t are f<span class=\"_ _6\"></span>ixe<span class=\"_ _6\"></span>d for t<span class=\"_ _6\"></span>he du<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of in<span class=\"_ _6\"></span>div<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al d<span class=\"_ _6\"></span>rawd<span class=\"_ _6\"></span>owns, d<span class=\"_ _6\"></span>ue to t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6cf\">sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t-<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>m and revo<span class=\"_ _6\"></span>lvin<span class=\"_ _6\"></span>g na<span class=\"_ _6\"></span>ture o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e prod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup c<span class=\"_ _6\"></span>an re<span class=\"_ _6\"></span>pri<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>he fee<span class=\"_ _6\"></span>s cha<span class=\"_ _6\"></span>rged o<span class=\"_ _6\"></span>n dr<span class=\"_ _6\"></span>awdow<span class=\"_ _6\"></span>ns at s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>t not<span class=\"_ _6\"></span>ice i<span class=\"_ _6\"></span>n ord<span class=\"_ _6\"></span>er to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6d0\">ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t rate r<span class=\"_ _6\"></span>isk o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e fl<span class=\"_ _6\"></span>oat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g rate b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>gs. I<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest c<span class=\"_ _6\"></span>harg<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n Cas<span class=\"_ _6\"></span>hb<span class=\"_ _6\"></span>ack c<span class=\"_ _6\"></span>ard b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng is re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>ly </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6d1\">up<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>ed to al<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>revail<span class=\"_ _6\"></span>ing m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket rat<span class=\"_ _6\"></span>es of in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d is al<span class=\"_ _6\"></span>so sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t te<span class=\"_ _6\"></span>rm i<span class=\"_ _6\"></span>n nat<span class=\"_ _6\"></span>ure. A<span class=\"_ _6\"></span>s a resu<span class=\"_ _6\"></span>lt t<span class=\"_ _6\"></span>here i<span class=\"_ _6\"></span>s not c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ered to b<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs6d2\">signific<span class=\"_ _6\"></span>ant int<span class=\"_ _0\"></span>erest<span class=\"_ _0\"></span> rate risk.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6d4\">So<span class=\"_ _6\"></span>me of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019s i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s are th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh wa<span class=\"_ _6\"></span>reho<span class=\"_ _6\"></span>use veh<span class=\"_ _6\"></span>icl<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up is a m<span class=\"_ _6\"></span>ino<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y inves<span class=\"_ _6\"></span>tor. The </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6d5\">sen<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>r bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ng fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>ese ve<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>les re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>ve inte<span class=\"_ _6\"></span>rest o<span class=\"_ _6\"></span>n bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s in pr<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts to t<span class=\"_ _6\"></span>he eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6d6\">at SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A pl<span class=\"_ _6\"></span>us a ma<span class=\"_ _6\"></span>rgin<span class=\"_ _6\"></span>. The veh<span class=\"_ _6\"></span>icl<span class=\"_ _6\"></span>es have in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ca<span class=\"_ _6\"></span>ps or i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate sw<span class=\"_ _6\"></span>aps w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res whi<span class=\"_ _6\"></span>ch c<span class=\"_ _6\"></span>an mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>iga<span class=\"_ _6\"></span>te th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs6d7\">imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure ra<span class=\"_ _6\"></span>te ri<span class=\"_ _6\"></span>ses. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6d8\">The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s and c<span class=\"_ _6\"></span>o-<span class=\"_ _6\"></span>invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s are no l<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ger c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to fur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r inc<span class=\"_ _6\"></span>rease<span class=\"_ _6\"></span>s in SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6d9\">or t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d SO<span class=\"_ _6\"></span>NIA r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>s a resul<span class=\"_ _6\"></span>t of h<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>g in p<span class=\"_ _6\"></span>lac<span class=\"_ _6\"></span>e.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls169 ws1a2 gs6da\">c<span class=\"_ _0\"></span>) Sensitivity analy<span class=\"_ _0\"></span>sis<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6db\">IFRS 7 re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ires d<span class=\"_ _6\"></span>iscl<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re of se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ana<span class=\"_ _6\"></span>lysi<span class=\"_ _6\"></span>s for ea<span class=\"_ _6\"></span>ch t<span class=\"_ _6\"></span>yp<span class=\"_ _6\"></span>e of ma<span class=\"_ _6\"></span>rket r<span class=\"_ _6\"></span>isk to w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d at t<span class=\"_ _6\"></span>he rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t date </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6dc\">sh<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g how p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s and e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wo<span class=\"_ _6\"></span>uld h<span class=\"_ _6\"></span>ave bee<span class=\"_ _6\"></span>n af<span class=\"_ _5\"></span>fecte<span class=\"_ _6\"></span>d by cha<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>evan<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at were re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>ly </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6dd\">pos<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at d<span class=\"_ _6\"></span>ate. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6de\">As d<span class=\"_ _6\"></span>iscu<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d ab<span class=\"_ _6\"></span>ove, the G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>oe<span class=\"_ _6\"></span>s not h<span class=\"_ _6\"></span>ave sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to pr<span class=\"_ _6\"></span>ice o<span class=\"_ _6\"></span>r cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ow ris<span class=\"_ _6\"></span>k an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>refore n<span class=\"_ _6\"></span>o sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ana<span class=\"_ _6\"></span>lysis </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6df\">for t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>ks has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of s<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s on SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6e0\">val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in no<span class=\"_ _6\"></span>te 2.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls16a ws1a3 gs6e1\">d)<span class=\"_ _0\"></span> Foreign<span class=\"_ _0\"></span> e<span class=\"_ _0\"></span>xchan<span class=\"_ _0\"></span>ge risk<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6e2\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>ed in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly an<span class=\"_ _6\"></span>d is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to fore<span class=\"_ _6\"></span>ign exc<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge r<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>rom va<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>us cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy ex<span class=\"_ _6\"></span>posu<span class=\"_ _6\"></span>res, p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>mar<span class=\"_ _6\"></span>ily </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6e3\">wi<span class=\"_ _6\"></span>th re<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>o the U<span class=\"_ _6\"></span>K po<span class=\"_ _6\"></span>und s<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ng an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e euro. S<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>e the s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e US bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess i<span class=\"_ _6\"></span>n 202<span class=\"_ _0\"></span>4 th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to th<span class=\"_ _6\"></span>e US </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6e4\">do<span class=\"_ _6\"></span>lla<span class=\"_ _6\"></span>r is im<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>al. Fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n excha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k ari<span class=\"_ _6\"></span>ses f<span class=\"_ _6\"></span>rom fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns, re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s and n<span class=\"_ _6\"></span>et </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs6e5\">inv<span class=\"_ _0\"></span>estments in f<span class=\"_ _0\"></span>oreign<span class=\"_ _0\"></span> operations.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6e6\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s po<span class=\"_ _6\"></span>licy i<span class=\"_ _6\"></span>s, wh<span class=\"_ _6\"></span>ere po<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, to all<span class=\"_ _6\"></span>ow Gro<span class=\"_ _6\"></span>up en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies to s<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies d<span class=\"_ _6\"></span>eno<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fu<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>y wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6e7\">ca<span class=\"_ _6\"></span>sh ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d fro<span class=\"_ _6\"></span>m the<span class=\"_ _6\"></span>ir ow<span class=\"_ _6\"></span>n ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns in t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Whe<span class=\"_ _6\"></span>re Grou<span class=\"_ _6\"></span>p ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es have li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es de<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ated i<span class=\"_ _6\"></span>n a cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6e8\">th<span class=\"_ _6\"></span>an t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fun<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy (a<span class=\"_ _6\"></span>nd have in<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ent res<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ves o<span class=\"_ _6\"></span>f tha<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy to se<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le th<span class=\"_ _6\"></span>em), cas<span class=\"_ _6\"></span>h alre<span class=\"_ _6\"></span>ady d<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6e9\">cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy wil<span class=\"_ _6\"></span>l, wh<span class=\"_ _6\"></span>ere po<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, be t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfe<span class=\"_ _6\"></span>rred f<span class=\"_ _6\"></span>rom e<span class=\"_ _6\"></span>lsew<span class=\"_ _6\"></span>here w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6ea\">Ap<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>t from t<span class=\"_ _6\"></span>hese p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ticu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>r cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ai<span class=\"_ _6\"></span>ms to fu<span class=\"_ _6\"></span>nd ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nses a<span class=\"_ _6\"></span>nd inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts in t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy an<span class=\"_ _6\"></span>d to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6eb\">ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>e forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k at a lo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l level by m<span class=\"_ _6\"></span>atch<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy i<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d and ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nses a<span class=\"_ _6\"></span>re inc<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6ec\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p had c<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in fore<span class=\"_ _6\"></span>ign o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns, wh<span class=\"_ _6\"></span>ose n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s are ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ed to fore<span class=\"_ _6\"></span>ign c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6ed\">The t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow set<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>res fro<span class=\"_ _6\"></span>m fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies h<span class=\"_ _6\"></span>eld by G<span class=\"_ _6\"></span>roup c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls7 ws8 gs6ee\">cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cies o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an th<span class=\"_ _6\"></span>eir f<span class=\"_ _6\"></span>unc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>ies an<span class=\"_ _6\"></span>d resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>ing i<span class=\"_ _6\"></span>n exchan<span class=\"_ _6\"></span>ge move<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts in t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e st<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>nd ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span></div><div class=\"gs6ef\"><table class=\"s w4be hd7\" id=\"_b1cbaaad-9a1b-4c0e-aa79-098d775e1b3e\"><tr><td></td><td></td><td class=\"c n x8f5 y2abf w3a1 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x8f6 y2abf w4bf h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8f7 h28 y2ac0 ff53 fs19 fc3 sc0 ls146 ws179\">GBP<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d3 h28 y2ac0 ff53 fs19 fc3 sc0 ls136 ws165\">EUR<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4be h28 y2ac0 ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37b h28 y2ac0 ff55 fs19 fc2 sc0 lsdb ws103\">GBP<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2aa h28 y2ac0 ff55 fs19 fc2 sc0 ls82 wsa1\">EUR<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a6 h28 y2ac0 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x89a h28 y2ac1 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x85b h28 y2ac1 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4c2 h28 y2ac1 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y2ac1 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y2ac1 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ac1 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28b8 wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f8 y28b8 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f9 y28b8 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fa y28b8 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fb y28b8 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c9 y28b8 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fc y28b8 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w4c0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Intra-group assets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fd y28b9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fe y28b9 w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ff y28b9 w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x900 y28b9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x901 y28b9 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50c y28b9 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w4c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Intra-group liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x902 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x903 y280f w4c2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x904 y280f w4c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x253 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x905 y280f w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x906 y280f w4c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.5)<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6f0\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to a 10% d<span class=\"_ _6\"></span>epre<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d 10% a<span class=\"_ _6\"></span>ppre<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on i<span class=\"_ _6\"></span>n pou<span class=\"_ _6\"></span>nd s<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>evan<span class=\"_ _6\"></span>t forei<span class=\"_ _6\"></span>gn </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6f1\">cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cies<span class=\"_ _6\"></span>. Whi<span class=\"_ _6\"></span>le 5% is t<span class=\"_ _6\"></span>he se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y rat<span class=\"_ _6\"></span>e use<span class=\"_ _6\"></span>d whe<span class=\"_ _6\"></span>n rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g forei<span class=\"_ _6\"></span>gn cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy ri<span class=\"_ _6\"></span>sk in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly to se<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>or ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent p<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>onn<span class=\"_ _6\"></span>el, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6f2\">in l<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t of rec<span class=\"_ _6\"></span>ent f<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>uat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns in fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n excha<span class=\"_ _6\"></span>nge r<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>, 10% rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>\u2019s cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of a reas<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6f3\">pos<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ble c<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge i<span class=\"_ _6\"></span>n forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e rate<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e sens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ysis to t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>nclu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s onl<span class=\"_ _6\"></span>y ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6f4\">cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy-d<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d mo<span class=\"_ _6\"></span>net<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>eir t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e year e<span class=\"_ _6\"></span>nd for a 1<span class=\"_ _6\"></span>0% cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e in fore<span class=\"_ _6\"></span>ign c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy r<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6f5\">The s<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ysis i<span class=\"_ _6\"></span>llus<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rate<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he fore<span class=\"_ _6\"></span>ign c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6f6\">qu<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>-e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y lo<span class=\"_ _6\"></span>ans t<span class=\"_ _6\"></span>o forei<span class=\"_ _6\"></span>gn op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p and n<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in fore<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>n ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6f7\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>tiv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y to f<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons in fo<span class=\"_ _6\"></span>rei<span class=\"_ _6\"></span>gn cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cies i<span class=\"_ _6\"></span>s rela<span class=\"_ _6\"></span>ted to t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>uro am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts h<span class=\"_ _6\"></span>eld i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Pare<span class=\"_ _6\"></span>nt C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any<span class=\"_ _0\"></span>. The </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6f8\">imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of a 1<span class=\"_ _6\"></span>0% cha<span class=\"_ _6\"></span>nge i<span class=\"_ _6\"></span>n forei<span class=\"_ _6\"></span>gn cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy ra<span class=\"_ _6\"></span>tes is a<span class=\"_ _6\"></span>s foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span></div><div class=\"gs6f9\"><table class=\"s w4c5 hd8\" id=\"_6879fe28-fd96-4c24-bb23-a2e536eb5d74\"><tr><td></td><td></td><td></td><td class=\"c n x907 y2ac2 w4c6 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Appreciation in<span class=\"_ _0\"></span> pound sterling<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x908 y2ac2 w4c7 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Depreciation in<span class=\"_ _0\"></span> pound sterling<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x909 h28 y2ac3 ff53 fs19 fc3 sc0 lscb wsef\">Income<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x90a h28 y2ac3 ff55 fs19 fc2 sc0 lsca wsee\">Income<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x6d8 h28 y2ac3 ff53 fs19 fc3 sc0 lscb wsef\">Income<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x29d h28 y2ac3 ff55 fs19 fc2 sc0 lsca wsee\">Income<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x90b h28 y2ac4 ff53 fs19 fc3 sc0 lscc wsa3\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x90c h28 y2ac4 ff53 fs19 fc3 sc0 ls132 ws161\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37e h28 y2ac4 ff56 fs19 fc2 sc0 lsca wsee\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87b h28 y2ac4 ff55 fs19 fc2 sc0 ls82 wsa1\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x642 h28 y2ac4 ff53 fs19 fc3 sc0 lscc wsa3\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y2ac4 ff53 fs19 fc3 sc0 ls132 ws161\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x90d h28 y2ac4 ff56 fs19 fc2 sc0 lsca wsee\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x90e h28 y2ac4 ff55 fs19 fc2 sc0 ls82 wsa1\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x90f h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x910 h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x911 h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x912 h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b3 h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b4 h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2ac6 ff55 fs19 fc2 sc0 ls12 ws16\">At 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x913 h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x914 h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6dc h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x915 h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x916 h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bb h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bc h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y287f w4c8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">US dollars<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x917 y287f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x918 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x919 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91a y287f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91b y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91c y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91d y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91e y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w4c9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2a ws39\">Eur<span class=\"_ _6\"></span>os<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91f y280d w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x920 y280d w288 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x921 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x922 y280d w4ca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x923 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x924 y280d wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x925 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x33f y280d w61 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x926 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x927 y280f w4cb h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _5\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x928 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x929 y280f w4cc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x92a y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x92b y280f w35b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x92c y280f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a6 y280f w31d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2b ws6 gs6fb\">Capital management<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6fc\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p cons<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ers i<span class=\"_ _6\"></span>ts c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al to c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>e it<span class=\"_ _6\"></span>s ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>re ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l, sh<span class=\"_ _6\"></span>are pre<span class=\"_ _6\"></span>miu<span class=\"_ _6\"></span>m, forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve, sha<span class=\"_ _6\"></span>re opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6fd\">rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve and re<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d ear<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>. Qua<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail is s<span class=\"_ _6\"></span>how<span class=\"_ _6\"></span>n in th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6fe\">The D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs\u2019 o<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive wh<span class=\"_ _6\"></span>en m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>g ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l is to s<span class=\"_ _6\"></span>afeg<span class=\"_ _6\"></span>uard t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019<span class=\"_ _6\"></span>s abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue a<span class=\"_ _6\"></span>s a goi<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>rn i<span class=\"_ _6\"></span>n orde<span class=\"_ _6\"></span>r to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs6ff\">provi<span class=\"_ _6\"></span>de re<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>ns for t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>lde<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts for o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>keho<span class=\"_ _6\"></span>lde<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d to ma<span class=\"_ _6\"></span>int<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n an op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mal c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re to red<span class=\"_ _6\"></span>uce t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs700\">cos<span class=\"_ _6\"></span>t of c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs701\">The D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs mo<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tor a nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er of K<span class=\"_ _6\"></span>PIs at b<span class=\"_ _6\"></span>ot<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up an<span class=\"_ _6\"></span>d ind<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>al su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y level o<span class=\"_ _6\"></span>n a mo<span class=\"_ _6\"></span>nth<span class=\"_ _6\"></span>ly b<span class=\"_ _6\"></span>asis<span class=\"_ _6\"></span>. As p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs702\">bu<span class=\"_ _6\"></span>dge<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y pro<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>s, ta<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>ts are s<span class=\"_ _6\"></span>et wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t befo<span class=\"_ _6\"></span>re ta<span class=\"_ _6\"></span>x in ord<span class=\"_ _6\"></span>er to e<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>ge t<span class=\"_ _6\"></span>he ac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs703\">Per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>ance i<span class=\"_ _6\"></span>s reviewe<span class=\"_ _6\"></span>d on a re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lar b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>ppro<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>iat<span class=\"_ _6\"></span>e act<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns are t<span class=\"_ _6\"></span>aken a<span class=\"_ _6\"></span>s requ<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>d. The<span class=\"_ _6\"></span>se in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>res in<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>cat<span class=\"_ _6\"></span>e the </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs704\">pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce of t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s aga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t bu<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>/<span class=\"_ _6\"></span>fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>rm wh<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>her t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as ad<span class=\"_ _6\"></span>eq<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>te resou<span class=\"_ _6\"></span>rces to m<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t it<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd1 wsf5 gs705\">working capital r<span class=\"_ _0\"></span>equirements.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs706\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to ex<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ern<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts by t<span class=\"_ _6\"></span>he Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l Co<span class=\"_ _6\"></span>ndu<span class=\"_ _6\"></span>ct Au<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hor<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y bu<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>ese a<span class=\"_ _6\"></span>re lower t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs707\">in<span class=\"_ _6\"></span>tern<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y se<span class=\"_ _6\"></span>t requ<span class=\"_ _6\"></span>irem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts. D<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p com<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h all ex<span class=\"_ _5\"></span>tern<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-440": {
   "value": "12<span class=\"_ _6\"></span>. SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span><table class=\"s w9d hbf\" id=\"_6a6a7a98-9c6a-442f-b318-19dd9363c39f\"><tr><td></td><td class=\"t m0 x24c h28 y29cc ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y29cc ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y29cd ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y29cd ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y29ce ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y29ce ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y29cf ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-current<span class=\"_ _256\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y29d0 w345 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns \u2013 am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61b y29d0 wb0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61c y29d0 wb1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29d1 w346 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts \u2013 F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61d y29d1 w347 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61e y29d1 wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"> </span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29d2 w348 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd1 wsf5\">T<span class=\"_ _b\"></span>otal non-current<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x61f y29d3 w349 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _6\"></span>3<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x620 y29d3 w34a h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>9.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y29d4 ff54 fs3 fc2 sc0 ls7e wsa9\">Curren<span class=\"_ _6\"></span>t<span class=\"_ _21d\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y29d5 w345 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns \u2013 am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x621 y29d5 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x622 y29d5 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y29d7 w34b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t \u2013 am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st</div><div class=\"t m0 x623 h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x624 y29d7 w25e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x625 y29d7 w34c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29d8 w34d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns \u2013 F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x626 y29d8 wb7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">120.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x627 y29d8 w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29d9 w34e h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsec ws111\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _5\"></span> c<span class=\"_ _6\"></span>u<span class=\"_ _5\"></span>r<span class=\"_ _5\"></span>r<span class=\"_ _6\"></span>e<span class=\"_ _5\"></span>n<span class=\"_ _5\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x628 y29da w34f h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">29<span class=\"_ _6\"></span>4.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x629 y29da w350 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">9<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w268 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsec ws111\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62a y2810 w351 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lse5 ws10c\">3<span class=\"_ _5\"></span>0<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62b y2810 w352 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls25 ws7d\">118.2<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>I<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>in<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>is<span class=\"_ gs546\"> </span>\u00a3<span class=\"_ _6\"></span>24.0<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on<span class=\"_ gs546\"> </span>(<span class=\"_ _6\"></span>2024<span class=\"_ _6\"></span>:<span class=\"_ gs546\"> </span>\u00a37<span class=\"_ _0\"></span>.2<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>o<span class=\"_ gs546\"> </span>Ca<span class=\"_ _6\"></span>sh<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>ck<span class=\"_ gs546\"> </span>ca<span class=\"_ _6\"></span>rd<span class=\"_ gs546\"> </span>b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>net<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>EC<span class=\"_ _6\"></span>L<span class=\"_ gs546\"> </span>im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-407": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls2b ws33 gs5c7\">13.<span class=\"_ _0\"></span> T<span class=\"_ _b\"></span>rade and other<span class=\"_ _0\"></span> receiv<span class=\"_ _0\"></span>ables<span class=\"_ _2f2\"> </span></div><div class=\"gs5c8\"><table class=\"s w9d hc0\" id=\"_5b7ce84e-7dfa-444a-b7f9-e183ae789879\"><tr><td></td><td class=\"t m0 x24c h28 y29db ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y29db ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y29dc ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y29dc ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y29dd ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y29dd ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29de w353 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e rece<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62c y29de w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62d y29de wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29df w354 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er rec<span class=\"_ _6\"></span>eiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62e y29df w355 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">6<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62f y29df w36 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29e0 w356 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">T<span class=\"_ _b\"></span>ax-r<span class=\"_ _0\"></span>elated<span class=\"_ _0\"></span> r<span class=\"_ _0\"></span>eceivable<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x630 y29e0 w357 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x631 y29e0 w262 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29e1 w358 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Prepa<span class=\"_ _0\"></span>yments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x632 y29e1 w281 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">4.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x633 y29e1 w359 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">4.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29e2 w35a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">Accrued incom<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x634 y29e2 w35b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">4.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x635 y29e2 w35c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29e3 w35d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ren<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her d<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x636 y29e3 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x637 y29e3 wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w35e h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">Current<span class=\"_ _0\"></span> trade an<span class=\"_ _0\"></span>d other<span class=\"_ _0\"></span> recei<span class=\"_ _0\"></span>vables<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x638 y2810 wbf h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">20.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x599 y2810 wc0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls7 ws8\">20.8<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5c9\">The m<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>imu<span class=\"_ _6\"></span>m exp<span class=\"_ _6\"></span>osure to c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t r<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>t the re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ate is t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g val<span class=\"_ _6\"></span>ue of e<span class=\"_ _6\"></span>ach c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>s of rec<span class=\"_ _6\"></span>eiva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es de<span class=\"_ _6\"></span>scr<span class=\"_ _6\"></span>ibe<span class=\"_ _6\"></span>d ea<span class=\"_ _6\"></span>rli<span class=\"_ _6\"></span>er.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5ca\">No t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de rec<span class=\"_ _6\"></span>eiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es were ove<span class=\"_ _6\"></span>rdue o<span class=\"_ _6\"></span>r imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red. I<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude<span class=\"_ _6\"></span>d in re<span class=\"_ _6\"></span>nt an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r dep<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re \u00a30.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on of re<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>al d<span class=\"_ _6\"></span>epo<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ts </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5cb\">(202<span class=\"_ _0\"></span>4: \u00a30.9 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion) in re<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s pro<span class=\"_ _6\"></span>per<span class=\"_ _5\"></span>ty l<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ich ex<span class=\"_ _6\"></span>pire ove<span class=\"_ _6\"></span>r the n<span class=\"_ _6\"></span>ex<span class=\"_ _6\"></span>t f<span class=\"_ _6\"></span>ive year<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e Dire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5cc\">th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r rece<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s app<span class=\"_ _6\"></span>roxi<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>eir f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-441": {
   "value": "<table class=\"s w9d hc0\" id=\"_5b7ce84e-7dfa-444a-b7f9-e183ae789879\"><tr><td></td><td class=\"t m0 x24c h28 y29db ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y29db ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y29dc ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y29dc ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y29dd ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y29dd ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29de w353 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e rece<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62c y29de w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62d y29de wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29df w354 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er rec<span class=\"_ _6\"></span>eiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62e y29df w355 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">6<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62f y29df w36 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29e0 w356 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">T<span class=\"_ _b\"></span>ax-r<span class=\"_ _0\"></span>elated<span class=\"_ _0\"></span> r<span class=\"_ _0\"></span>eceivable<span class=\"_ _0\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x630 y29e0 w357 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x631 y29e0 w262 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29e1 w358 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Prepa<span class=\"_ _0\"></span>yments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x632 y29e1 w281 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">4.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x633 y29e1 w359 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">4.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29e2 w35a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">Accrued incom<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x634 y29e2 w35b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">4.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x635 y29e2 w35c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29e3 w35d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ren<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her d<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x636 y29e3 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x637 y29e3 wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w35e h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsdd ws90\">Current<span class=\"_ _0\"></span> trade an<span class=\"_ _0\"></span>d other<span class=\"_ _0\"></span> recei<span class=\"_ _0\"></span>vables<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x638 y2810 wbf h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">20.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x599 y2810 wc0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls7 ws8\">20.8<span class=\"_ _2f2\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-408": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls3 ws3 gs5ce\">14. T<span class=\"_ _0\"></span>rad<span class=\"_ _6\"></span>e an<span class=\"_ _6\"></span>d oth<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayab<span class=\"_ _6\"></span>les<span class=\"_ _2f2\"> </span></div><div class=\"gs51f\"><table class=\"s w35f hc1\" id=\"_582aa127-00a9-4148-9fea-bf73025e853d\"><tr><td></td><td class=\"t m0 x49f h28 y29e4 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y29e4 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y29e5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y29e5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y29e6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y29e6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29e7 w360 h9d\"><div class=\"t m0 x1b5 h5 y27eb ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e payab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60c y29e7 wb4 h9d\"><div class=\"t m0 x1b5 h5 y27eb ff53 fs3 fc3 sc0 ls2b ws66\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x639 y29e7 wd9 h9d\"><div class=\"t m0 x1b5 h5 y27eb ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29e8 w361 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>axes a<span class=\"_ _6\"></span>nd so<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l sec<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x63a y29e8 w362 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d0 y29e8 w279 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y29e9 w363 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">Ot<span class=\"_ _6\"></span>her creditors</div><div class=\"t m0 x63b h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a2 y29e9 w364 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">5.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x63c y29e9 w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls79 ws80\">6.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w365 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Accruals<span class=\"_ _0\"></span> and def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x63d y28e0 w366 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>6.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x63e y28e0 w367 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">12.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x63f y280f w368 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">30.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x640 y280f w369 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">2<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs5cf\">1.<span class=\"_ gs5d0\"> </span><span class=\"_ _5\"> </span>O<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>her<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>rs<span class=\"_ gs546\"> </span>i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>\u00a3<span class=\"_ _6\"></span>3.7<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on<span class=\"_ gs546\"> </span>(<span class=\"_ _6\"></span>2024<span class=\"_ _6\"></span>:<span class=\"_ gs546\"> </span>\u00a34.<span class=\"_ _6\"></span>4<span class=\"_ gs546\"> </span>mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n)<span class=\"_ gs546\"> </span>du<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>Br<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sh<span class=\"_ gs546\"> </span>B<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>ss<span class=\"_ gs546\"> </span>B<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>k<span class=\"_ gs546\"> </span>(\u201c<span class=\"_ _6\"></span>BB<span class=\"_ _6\"></span>B\u201d<span class=\"_ _6\"></span>),<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>y<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>o<span class=\"_ gs546\"> </span>sch<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er<span class=\"_ gs546\"> </span>fe<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>fr<span class=\"_ _6\"></span>om<span class=\"_ gs546\"> </span></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 lsdd ws90 gs5d1\">inve<span class=\"_ _0\"></span>stors assoc<span class=\"_ _0\"></span>iated<span class=\"_ _0\"></span> with gov<span class=\"_ _0\"></span>ernment<span class=\"_ _0\"></span>-guaranteed pr<span class=\"_ _0\"></span>oducts.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5d2\">The D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e car<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>rad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayab<span class=\"_ _6\"></span>les a<span class=\"_ _6\"></span>pprox<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes to t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherPayablesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-442": {
   "value": "<table class=\"s w35f hc1\" id=\"_582aa127-00a9-4148-9fea-bf73025e853d\"><tr><td></td><td class=\"t m0 x49f h28 y29e4 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y29e4 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y29e5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y29e5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y29e6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y29e6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29e7 w360 h9d\"><div class=\"t m0 x1b5 h5 y27eb ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e payab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x60c y29e7 wb4 h9d\"><div class=\"t m0 x1b5 h5 y27eb ff53 fs3 fc3 sc0 ls2b ws66\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x639 y29e7 wd9 h9d\"><div class=\"t m0 x1b5 h5 y27eb ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29e8 w361 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>axes a<span class=\"_ _6\"></span>nd so<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l sec<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x63a y29e8 w362 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d0 y29e8 w279 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y29e9 w363 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">Ot<span class=\"_ _6\"></span>her creditors</div><div class=\"t m0 x63b h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a2 y29e9 w364 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">5.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x63c y29e9 w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls79 ws80\">6.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w365 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Accruals<span class=\"_ _0\"></span> and def<span class=\"_ _0\"></span>erred<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x63d y28e0 w366 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>6.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x63e y28e0 w367 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">12.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x63f y280f w368 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">30.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x640 y280f w369 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">2<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-409": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls3 ws3 gs5d4\">15. P<span class=\"_ _6\"></span>rovi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div><div class=\"gs51f\"><table class=\"s w36a hc2\" id=\"_190a6550-92d4-414b-a4ac-c37a85253649\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x641 h28 y29ea ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L on </td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x37c h28 y29eb ff55 fs19 fc2 sc0 lsc9 wsed\">undrawn </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x642 h28 y29ec ff55 fs19 fc2 sc0 ls12 ws16\">Loa<span class=\"_ _6\"></span>n<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x643 h28 y29ec ff56 fs19 fc2 sc0 ls12 ws16\">li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t </td><td></td></tr><tr><td></td><td class=\"t m0 x644 h28 y29ed ff56 fs19 fc2 sc0 lsc9 wsed\">Dilapidation<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x645 h28 y29ed ff56 fs19 fc2 sc0 ls108 ws12f\">repu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>se<span class=\"_ _2f2\"> </span></td><td class=\"c x647 y29ee w36b h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Restructuring</div><div class=\"t m0 x646 h48 y27ab ff55 fs23 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c x649 y29ee w36c h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r</div><div class=\"t m0 x648 h48 y27ab ff56 fs23 fc2 sc0 ls12 ws16\">2<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x2a6 h28 y29ed ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x5b8 h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b9 h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29f0 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64a y29f0 w32c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64b y29f0 w36d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64c y29f0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64d y29f0 wb1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64e y29f0 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f1 w36e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Additional pro<span class=\"_ _0\"></span>vision/liabilit<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64f y29f1 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x650 y29f1 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x651 y29f1 w36f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x652 y29f1 w370 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e7 y29f1 w327 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2808 w371 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount utilised<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x653 y2808 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x654 y2808 w372 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x655 y2808 w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(2.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x656 y2808 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x657 y2808 w373 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(2.7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2809 w374 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount re<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>sed<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x658 y2809 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x659 y2809 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65a y2809 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dd y2809 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65b y2809 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f2 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65c y29f2 wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65d y29f2 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x350 y29f2 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65e y29f2 w375 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">3.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ab y29f2 w36 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w36e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Additional pro<span class=\"_ _0\"></span>vision/liabilit<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64f y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x650 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65f y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x660 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x661 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f3 w371 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount utilised<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x662 y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x663 y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x664 y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x665 y29f3 w15d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls51 wsa7\">(0.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x666 y29f3 w15d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls51 wsa7\">(0.9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f4 w374 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount re<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>sed<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x667 y29f4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x668 y29f4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58d y29f4 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x669 y29f4 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66a y29f4 w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66b y2810 wb4 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66c y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66d y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66e y2810 w376 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">2<span class=\"_ _6\"></span>.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66f y2810 w377 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 ls12 ws16 gs5d5\">1.  <span class=\"_ _5\"> </span>T<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g pr<span class=\"_ _6\"></span>ovi<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>on r<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e si<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rea<span class=\"_ _6\"></span>ml<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p an<span class=\"_ _6\"></span>d ha<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d as a<span class=\"_ _6\"></span>n exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l ite<span class=\"_ _6\"></span>m. S<span class=\"_ _6\"></span>ee n<span class=\"_ _6\"></span>ote 4<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs5d6\">2.<span class=\"_ gs546\"> </span><span class=\"_ _4\"> </span><span class=\"_ gs546\"> </span><span class=\"_ _1\"></span>ECL<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>un<span class=\"_ _6\"></span>dr<span class=\"_ _6\"></span>awn<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>ovi<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ons<span class=\"_ gs546\"> </span>i<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>ovi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns<span class=\"_ gs546\"> </span>fo<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l<span class=\"_ gs546\"> </span>bu<span class=\"_ _6\"></span>yb<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ks<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>\u00a3<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>l<span class=\"_ gs546\"> </span>(2024<span class=\"_ _6\"></span>:<span class=\"_ gs546\"> </span>\u00a30.<span class=\"_ _6\"></span>9<span class=\"_ gs546\"> </span>mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n)<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>\u00a32.<span class=\"_ _6\"></span>5<span class=\"_ gs546\"> </span>mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>(20<span class=\"_ _6\"></span>24:<span class=\"_ gs546\"> </span>\u00a32<span class=\"_ _6\"></span>.7<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ gs546\"> </span></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs5d7\">of<span class=\"_ gs546\"> </span>ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce<span class=\"_ gs546\"> </span>r<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>Fle<span class=\"_ _6\"></span>xi<span class=\"_ _6\"></span>Pay<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t.<span class=\"_ gs546\"> </span>S<span class=\"_ _6\"></span>ee<span class=\"_ gs546\"> </span>n<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>16<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>nd<span class=\"_ gs546\"> </span>2<span class=\"_ _6\"></span>7<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"gs5d8\"><table class=\"s w24e hc3\" id=\"_0b5eead5-c899-451d-8015-ca2dbd472170\"><tr><td></td><td class=\"t m0 x49f h28 y29f5 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y29f5 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y29f6 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y29f6 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y29f7 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y29f7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y293b w378 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t provis<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x670 y293b w379 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x565 y293b w375 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">3.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w37a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>rent p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>nd o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x671 y28e0 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x672 y28e0 w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x673 y280f w377 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x674 y280f w37 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs5d9\">The d<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n provi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>n rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>n est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t for di<span class=\"_ _6\"></span>sma<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e cus<span class=\"_ _6\"></span>tomi<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of of<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>es and re<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>hol<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5da\">pre<span class=\"_ _6\"></span>mise<span class=\"_ _6\"></span>s to it<span class=\"_ _6\"></span>s or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>t the e<span class=\"_ _6\"></span>nd of t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cy p<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>od. T<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>on is ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to be u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ilis<span class=\"_ _6\"></span>ed by 203<span class=\"_ _6\"></span>0.<span class=\"_ _2f2\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-481": {
   "value": "15. P<span class=\"_ _6\"></span>rovi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span><table class=\"s w36a hc2\" id=\"_190a6550-92d4-414b-a4ac-c37a85253649\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x641 h28 y29ea ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L on </td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x37c h28 y29eb ff55 fs19 fc2 sc0 lsc9 wsed\">undrawn </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x642 h28 y29ec ff55 fs19 fc2 sc0 ls12 ws16\">Loa<span class=\"_ _6\"></span>n<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x643 h28 y29ec ff56 fs19 fc2 sc0 ls12 ws16\">li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t </td><td></td></tr><tr><td></td><td class=\"t m0 x644 h28 y29ed ff56 fs19 fc2 sc0 lsc9 wsed\">Dilapidation<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x645 h28 y29ed ff56 fs19 fc2 sc0 ls108 ws12f\">repu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>se<span class=\"_ _2f2\"> </span></td><td class=\"c x647 y29ee w36b h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Restructuring</div><div class=\"t m0 x646 h48 y27ab ff55 fs23 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c x649 y29ee w36c h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r</div><div class=\"t m0 x648 h48 y27ab ff56 fs23 fc2 sc0 ls12 ws16\">2<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x2a6 h28 y29ed ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x5b8 h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b9 h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29f0 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64a y29f0 w32c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64b y29f0 w36d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64c y29f0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64d y29f0 wb1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64e y29f0 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f1 w36e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Additional pro<span class=\"_ _0\"></span>vision/liabilit<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64f y29f1 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x650 y29f1 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x651 y29f1 w36f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x652 y29f1 w370 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e7 y29f1 w327 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2808 w371 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount utilised<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x653 y2808 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x654 y2808 w372 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x655 y2808 w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(2.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x656 y2808 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x657 y2808 w373 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(2.7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2809 w374 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount re<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>sed<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x658 y2809 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x659 y2809 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65a y2809 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dd y2809 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65b y2809 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f2 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65c y29f2 wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65d y29f2 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x350 y29f2 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65e y29f2 w375 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">3.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ab y29f2 w36 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w36e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Additional pro<span class=\"_ _0\"></span>vision/liabilit<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64f y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x650 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65f y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x660 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x661 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f3 w371 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount utilised<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x662 y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x663 y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x664 y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x665 y29f3 w15d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls51 wsa7\">(0.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x666 y29f3 w15d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls51 wsa7\">(0.9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f4 w374 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount re<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>sed<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x667 y29f4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x668 y29f4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58d y29f4 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x669 y29f4 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66a y29f4 w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66b y2810 wb4 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66c y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66d y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66e y2810 w376 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">2<span class=\"_ _6\"></span>.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66f y2810 w377 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table>1.  <span class=\"_ _5\"> </span>T<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g pr<span class=\"_ _6\"></span>ovi<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>on r<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e si<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rea<span class=\"_ _6\"></span>ml<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p an<span class=\"_ _6\"></span>d ha<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d as a<span class=\"_ _6\"></span>n exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l ite<span class=\"_ _6\"></span>m. S<span class=\"_ _6\"></span>ee n<span class=\"_ _6\"></span>ote 4<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>2.<span class=\"_ gs546\"> </span><span class=\"_ _4\"> </span><span class=\"_ gs546\"> </span><span class=\"_ _1\"></span>ECL<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>un<span class=\"_ _6\"></span>dr<span class=\"_ _6\"></span>awn<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>ovi<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ons<span class=\"_ gs546\"> </span>i<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>ovi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns<span class=\"_ gs546\"> </span>fo<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l<span class=\"_ gs546\"> </span>bu<span class=\"_ _6\"></span>yb<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ks<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>\u00a3<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>l<span class=\"_ gs546\"> </span>(2024<span class=\"_ _6\"></span>:<span class=\"_ gs546\"> </span>\u00a30.<span class=\"_ _6\"></span>9<span class=\"_ gs546\"> </span>mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n)<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>\u00a32.<span class=\"_ _6\"></span>5<span class=\"_ gs546\"> </span>mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>(20<span class=\"_ _6\"></span>24:<span class=\"_ gs546\"> </span>\u00a32<span class=\"_ _6\"></span>.7<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce<span class=\"_ gs546\"> </span>r<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>Fle<span class=\"_ _6\"></span>xi<span class=\"_ _6\"></span>Pay<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t.<span class=\"_ gs546\"> </span>S<span class=\"_ _6\"></span>ee<span class=\"_ gs546\"> </span>n<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>16<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>nd<span class=\"_ gs546\"> </span>2<span class=\"_ _6\"></span>7<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span><table class=\"s w24e hc3\" id=\"_0b5eead5-c899-451d-8015-ca2dbd472170\"><tr><td></td><td class=\"t m0 x49f h28 y29f5 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y29f5 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y29f6 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y29f6 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y29f7 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y29f7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y293b w378 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t provis<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x670 y293b w379 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x565 y293b w375 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">3.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w37a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>rent p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>nd o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x671 y28e0 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x672 y28e0 w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x673 y280f w377 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x674 y280f w37 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr></table>The d<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n provi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>n rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>n est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t for di<span class=\"_ _6\"></span>sma<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e cus<span class=\"_ _6\"></span>tomi<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of of<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>es and re<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>hol<span class=\"_ _6\"></span>d pre<span class=\"_ _6\"></span>mise<span class=\"_ _6\"></span>s to it<span class=\"_ _6\"></span>s or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>t the e<span class=\"_ _6\"></span>nd of t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cy p<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>od. T<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>on is ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to be u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ilis<span class=\"_ _6\"></span>ed by 203<span class=\"_ _6\"></span>0.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-443": {
   "value": "15. P<span class=\"_ _6\"></span>rovi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span><table class=\"s w36a hc2\" id=\"_190a6550-92d4-414b-a4ac-c37a85253649\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x641 h28 y29ea ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L on </td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x37c h28 y29eb ff55 fs19 fc2 sc0 lsc9 wsed\">undrawn </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x642 h28 y29ec ff55 fs19 fc2 sc0 ls12 ws16\">Loa<span class=\"_ _6\"></span>n<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x643 h28 y29ec ff56 fs19 fc2 sc0 ls12 ws16\">li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t </td><td></td></tr><tr><td></td><td class=\"t m0 x644 h28 y29ed ff56 fs19 fc2 sc0 lsc9 wsed\">Dilapidation<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x645 h28 y29ed ff56 fs19 fc2 sc0 ls108 ws12f\">repu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>se<span class=\"_ _2f2\"> </span></td><td class=\"c x647 y29ee w36b h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Restructuring</div><div class=\"t m0 x646 h48 y27ab ff55 fs23 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c x649 y29ee w36c h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r</div><div class=\"t m0 x648 h48 y27ab ff56 fs23 fc2 sc0 ls12 ws16\">2<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x2a6 h28 y29ed ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x5b8 h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b9 h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y29ef ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29f0 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64a y29f0 w32c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">1<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64b y29f0 w36d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64c y29f0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64d y29f0 wb1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64e y29f0 w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f1 w36e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Additional pro<span class=\"_ _0\"></span>vision/liabilit<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64f y29f1 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x650 y29f1 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x651 y29f1 w36f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x652 y29f1 w370 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e7 y29f1 w327 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2808 w371 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount utilised<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x653 y2808 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x654 y2808 w372 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x655 y2808 w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(2.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x656 y2808 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x657 y2808 w373 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(2.7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2809 w374 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount re<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>sed<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x658 y2809 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x659 y2809 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65a y2809 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5dd y2809 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65b y2809 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f2 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65c y29f2 wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65d y29f2 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x350 y29f2 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65e y29f2 w375 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">3.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ab y29f2 w36 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w36e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Additional pro<span class=\"_ _0\"></span>vision/liabilit<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x64f y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x650 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65f y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x660 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x661 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f3 w371 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount utilised<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x662 y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x663 y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x664 y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x665 y29f3 w15d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls51 wsa7\">(0.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x666 y29f3 w15d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls51 wsa7\">(0.9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f4 w374 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Amount re<span class=\"_ _0\"></span>ver<span class=\"_ _0\"></span>sed<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x667 y29f4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x668 y29f4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58d y29f4 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x669 y29f4 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66a y29f4 w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66b y2810 wb4 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66c y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66d y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66e y2810 w376 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls79 ws80\">2<span class=\"_ _6\"></span>.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66f y2810 w377 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table>1.  <span class=\"_ _5\"> </span>T<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g pr<span class=\"_ _6\"></span>ovi<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>on r<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e si<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n and s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rea<span class=\"_ _6\"></span>ml<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p an<span class=\"_ _6\"></span>d ha<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d as a<span class=\"_ _6\"></span>n exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l ite<span class=\"_ _6\"></span>m. S<span class=\"_ _6\"></span>ee n<span class=\"_ _6\"></span>ote 4<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>2.<span class=\"_ gs546\"> </span><span class=\"_ _4\"> </span><span class=\"_ gs546\"> </span><span class=\"_ _1\"></span>ECL<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>un<span class=\"_ _6\"></span>dr<span class=\"_ _6\"></span>awn<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>f<span class=\"_ gs546\"> </span>cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>ovi<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ons<span class=\"_ gs546\"> </span>i<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>ovi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns<span class=\"_ gs546\"> </span>fo<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l<span class=\"_ gs546\"> </span>bu<span class=\"_ _6\"></span>yb<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ks<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>\u00a3<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>l<span class=\"_ gs546\"> </span>(2024<span class=\"_ _6\"></span>:<span class=\"_ gs546\"> </span>\u00a30.<span class=\"_ _6\"></span>9<span class=\"_ gs546\"> </span>mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n)<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>\u00a32.<span class=\"_ _6\"></span>5<span class=\"_ gs546\"> </span>mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>(20<span class=\"_ _6\"></span>24:<span class=\"_ gs546\"> </span>\u00a32<span class=\"_ _6\"></span>.7<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce<span class=\"_ gs546\"> </span>r<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>Fle<span class=\"_ _6\"></span>xi<span class=\"_ _6\"></span>Pay<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t.<span class=\"_ gs546\"> </span>S<span class=\"_ _6\"></span>ee<span class=\"_ gs546\"> </span>n<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>16<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>nd<span class=\"_ gs546\"> </span>2<span class=\"_ _6\"></span>7<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span><table class=\"s w24e hc3\" id=\"_0b5eead5-c899-451d-8015-ca2dbd472170\"><tr><td></td><td class=\"t m0 x49f h28 y29f5 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y29f5 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y29f6 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y29f6 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y29f7 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y29f7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y293b w378 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t provis<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x670 y293b w379 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x565 y293b w375 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">3.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w37a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>rent p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>nd o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x671 y28e0 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x672 y28e0 w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x673 y280f w377 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x674 y280f w37 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr></table>The d<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n provi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>n rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>n est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t for di<span class=\"_ _6\"></span>sma<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e cus<span class=\"_ _6\"></span>tomi<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of of<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>es and re<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he le<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>hol<span class=\"_ _6\"></span>d pre<span class=\"_ _6\"></span>mise<span class=\"_ _6\"></span>s to it<span class=\"_ _6\"></span>s or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l st<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>t the e<span class=\"_ _6\"></span>nd of t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cy p<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>od. T<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>on is ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to be u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ilis<span class=\"_ _6\"></span>ed by 203<span class=\"_ _6\"></span>0.<span class=\"_ _2f2\"> </span>27<span class=\"_ _a\"></span>. Contingent liabilities and commitments<span class=\"_ _2f2\"> </span>As p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ong<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>g bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h i<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs. At a<span class=\"_ _6\"></span>ny poi<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n tim<span class=\"_ _6\"></span>e, i<span class=\"_ _6\"></span>t is pos<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ble th<span class=\"_ _6\"></span>at a p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>icu<span class=\"_ _6\"></span>lar i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>r may ex<span class=\"_ _6\"></span>pec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up to p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r lo<span class=\"_ _6\"></span>an in t<span class=\"_ _6\"></span>he even<span class=\"_ _6\"></span>t of a bre<span class=\"_ _6\"></span>ach o<span class=\"_ _6\"></span>f repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n or w<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>y, op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l er<span class=\"_ _6\"></span>rors o<span class=\"_ _6\"></span>r con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l iss<span class=\"_ _6\"></span>ues o<span class=\"_ _6\"></span>r whe<span class=\"_ _6\"></span>re agre<span class=\"_ _6\"></span>ed e<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y cr<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>a have no<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>en co<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th. W<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re a lo<span class=\"_ _6\"></span>an is p<span class=\"_ _6\"></span>urcha<span class=\"_ _6\"></span>sed it i<span class=\"_ _6\"></span>s pres<span class=\"_ _6\"></span>ente<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st o<span class=\"_ _6\"></span>n the f<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f the c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et an<span class=\"_ _6\"></span>d he<span class=\"_ _6\"></span>ld at a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9. In co<span class=\"_ _6\"></span>mm<span class=\"_ _6\"></span>on wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h oth<span class=\"_ _6\"></span>er b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>ses, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>s invol<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m ti<span class=\"_ _6\"></span>me to t<span class=\"_ _6\"></span>ime i<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>tes in t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>rdi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y co<span class=\"_ _6\"></span>urs<span class=\"_ _6\"></span>e of bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>. The<span class=\"_ _6\"></span>re are no a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive c<span class=\"_ _6\"></span>ases ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to have a m<span class=\"_ _6\"></span>ater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l adve<span class=\"_ _6\"></span>rse f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts on i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, th<span class=\"_ _6\"></span>ere we<span class=\"_ _6\"></span>re un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n com<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of \u00a34<span class=\"_ _6\"></span>46.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a3278.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. An exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t all<span class=\"_ _6\"></span>owa<span class=\"_ _6\"></span>nce is h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n ot<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>rovis<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s by the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p of \u00a32.5 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (2024: \u00a32.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) in rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p may be exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to on t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e und<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-482": {
   "value": "16. F<span class=\"_ _0\"></span>inancial ri<span class=\"_ _0\"></span>sk management The B<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>rd of Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tors h<span class=\"_ _6\"></span>as overa<span class=\"_ _6\"></span>ll res<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e est<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>hme<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>nd overs<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s r<span class=\"_ _6\"></span>isk m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t fra<span class=\"_ _6\"></span>mewo<span class=\"_ _6\"></span>rk<span class=\"_ _6\"></span>. The r<span class=\"_ _6\"></span>isk m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re est<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>d to ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd an<span class=\"_ _6\"></span>alys<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>ks fa<span class=\"_ _6\"></span>ced by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup, to se<span class=\"_ _6\"></span>t ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate r<span class=\"_ _6\"></span>isk l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>trol<span class=\"_ _6\"></span>s and t<span class=\"_ _6\"></span>o mon<span class=\"_ _6\"></span>ito<span class=\"_ _6\"></span>r ris<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d ens<span class=\"_ _6\"></span>ure any li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re adh<span class=\"_ _6\"></span>ered t<span class=\"_ _6\"></span>o. The Gro<span class=\"_ _6\"></span>up\u2019s a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies are rev<span class=\"_ _6\"></span>iewe<span class=\"_ _6\"></span>d regu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>rly a<span class=\"_ _6\"></span>nd p<span class=\"_ _6\"></span>oten<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al ris<span class=\"_ _6\"></span>ks are c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red. Risk fact<span class=\"_ _0\"></span>ors<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng ri<span class=\"_ _6\"></span>sks f<span class=\"_ _6\"></span>rom i<span class=\"_ _6\"></span>ts us<span class=\"_ _6\"></span>e of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2 ls39 ws42\">c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">l<span class=\"_ _6\"></span>iq<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>; an<span class=\"_ _6\"></span>d</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket ris<span class=\"_ _6\"></span>k (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge ri<span class=\"_ _6\"></span>sk, i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate r<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r pr<span class=\"_ _6\"></span>ice r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></span></span>Principal<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> instruments<span class=\"_ _2f2\"> </span>The p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d by the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p, from wh<span class=\"_ _6\"></span>ich f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>es, are as fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ows: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff56 fc2\">l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h and c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>len<span class=\"_ _6\"></span>ts;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r paya<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s;</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2\">b<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>k bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ngs; a<span class=\"_ _6\"></span>nd</span></span> <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls3d ws47\">l<span class=\"_ _6\"></span>ease<span class=\"_ _0\"></span> liabilities.<span class=\"_ _2f2\"> </span></span></span>Categorisation<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span> financial as<span class=\"_ _0\"></span>sets and<span class=\"_ _0\"></span> financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span>The t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>les s<span class=\"_ _6\"></span>how t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s by cat<span class=\"_ _6\"></span>ego<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t as at 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025:<span class=\"_ _2f2\"> </span><table class=\"s w37b hc4\" id=\"_7b3c4320-be66-4963-9769-866afbc36d8e\"><tr><td></td><td class=\"c n x675 y29f8 w1f5 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x676 y29f8 w37c h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2024<span class=\"_ _2f2\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x677 h28 y29f9 ff53 fs19 fc3 sc0 lsc8 wsec\">Fair<span class=\"_ _0\"></span> value<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x678 h28 y29f9 ff56 fs19 fc2 sc0 lscb wsef\">Fair<span class=\"_ _0\"></span> value<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x679 h28 y29fa ff53 fs19 fc3 sc0 lsc8 wsec\">through<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x67a h28 y29fa ff56 fs19 fc2 sc0 lscb wsef\">through</td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x67b h28 y29fb ff53 fs19 fc3 sc0 lscd ws102\"> profit<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67c h28 y29fb ff53 fs19 fc3 sc0 lscb wsef\">Amortised</td><td></td><td class=\"t m0 x67d h28 y29fb ff56 fs19 fc2 sc0 ls108 ws12f\"> prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67e h28 y29fb ff56 fs19 fc2 sc0 lse2 ws94\">Amortised<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x67f h28 y29fc ff53 fs19 fc3 sc0 lsc8 wsec\">and loss<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x680 h28 y29fc ff53 fs19 fc3 sc0 ls136 ws165\">cost<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x681 h28 y29fc ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x682 h28 y29fc ff56 fs19 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x683 h28 y29fc ff56 fs19 fc2 sc0 ls136 ws165\">cost<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y29fc ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x684 h28 y29fd ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x685 h28 y29fd ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x686 h28 y29fd ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24c h28 y29fd ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x687 h28 y29fd ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y29fd ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y29fe ff54 fs3 fc2 sc0 lsd4 wsf8\">Assets<span class=\"_ _266\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _f3\"> </span> <span class=\"_ _f3\"> </span> <span class=\"_ _9c\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _f3\"> </span> <span class=\"_ _41\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y29ff waf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x688 y29ff w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x689 y29ff w37d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68a y29ff w37e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68b y29ff w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68c y29ff w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a9 y29ff w19f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a00 wb6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68d y2a00 w37f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68e y2a00 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x68f y2a00 w48 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>20.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x690 y2a00 w380 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x691 y2a00 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x692 y2a00 w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a01 wb9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x693 y2a01 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x694 y2a01 w25e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x695 y2a01 wbb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x696 y2a01 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x697 y2a01 w34c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _6\"></span>7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x698 y2a01 wbc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2805 w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x699 y2805 w381 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>1.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69a y2805 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69b y2805 w381 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2d6 y2805 wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _7\"> </span>7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69c y2805 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69d y2805 wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"> </span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a02 w382 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es</div><div class=\"t m0 x69e h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69f y2a02 we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a0 y2a02 w383 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls81 wsad\">11.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a1 y2a02 wee h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a2 y2a02 wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a3 y2a02 w384 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a4 y2a02 w385 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">11<span class=\"_ _6\"></span>.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a03 w386 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts</div><div class=\"t m0 x6a5 h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a6 y2a03 w387 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls81 wsad\">84.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a7 y2a03 w26f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">6<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a8 y2a03 w388 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">1<span class=\"_ _6\"></span>52<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6a9 y2a03 w389 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">136.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6aa y2a03 w38a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">51<span class=\"_ _6\"></span>.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ab y2a03 wc4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x6ac y2a04 w38b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">2<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ad y2a04 w38c h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">254.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ae y2a04 w38d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd5 wsfa\">47<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6af y2a04 w38e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">155.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b0 y2a04 w38f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1<span class=\"_ _6\"></span>61.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b1 y2a04 w390 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>1<span class=\"_ _7\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2a05 ff54 fs3 fc2 sc0 ls9c ws36\">Liabilities<span class=\"_ _c8\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _f3\"> </span> <span class=\"_ _f3\"> </span> <span class=\"_ _fa\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _41\"> </span> <span class=\"_ _f3\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b2 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b3 y285e w391 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b4 y285e w215 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b5 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b6 y285e w392 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b7 y285e w393 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b8 y287f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6b9 y287f w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ba y287f w395 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6bb y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6bc y287f w396 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6bd y287f w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6be y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6bf y280d w398 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c0 y280d w399 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c1 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c2 y280d w39a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c3 y280d w39b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x688 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c4 y280f w39c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(<span class=\"_ _6\"></span>280.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c5 y280f w39d h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(28<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c6 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c7 y280f w39e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6c8 y280f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>8<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>C<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>ca<span class=\"_ _6\"></span>sh<span class=\"_ gs546\"> </span>e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>he<span class=\"_ _6\"></span>ld<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>fa<span class=\"_ _6\"></span>ir<span class=\"_ gs546\"> </span>va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ey<span class=\"_ gs546\"> </span>ma<span class=\"_ _6\"></span>rke<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>fu<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>,<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>at<span class=\"_ gs546\"> </span>fa<span class=\"_ _6\"></span>ir<span class=\"_ gs546\"> </span>v<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ue<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ug<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>it<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>nd<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>ac<span class=\"_ _6\"></span>cr<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>int<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>on<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>one<span class=\"_ _6\"></span>y<span class=\"_ gs546\"> </span>ma<span class=\"_ _6\"></span>rke<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>fun<span class=\"_ _6\"></span>ds<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Financial<span class=\"_ _0\"></span> instruments<span class=\"_ _0\"></span> measur<span class=\"_ _0\"></span>ed at<span class=\"_ _0\"></span> amortised c<span class=\"_ _0\"></span>ost<span class=\"_ _2f2\"> </span>Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nts m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t, r<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r tha<span class=\"_ _6\"></span>n fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue, in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ival<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts, t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es, SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t, F<span class=\"_ _6\"></span>lexi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>, ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s, le<span class=\"_ _6\"></span>ase l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>nd tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er paya<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es. D<span class=\"_ _6\"></span>ue to t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r nat<span class=\"_ _6\"></span>ure, t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g valu<span class=\"_ _6\"></span>e of ea<span class=\"_ _6\"></span>ch of t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>bove fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s ap<span class=\"_ _6\"></span>proxi<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tes to th<span class=\"_ _6\"></span>ei<span class=\"_ _6\"></span>r fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e.<span class=\"_ _2f2\"> </span>Financial<span class=\"_ _0\"></span> instruments<span class=\"_ _0\"></span> measur<span class=\"_ _0\"></span>ed at<span class=\"_ _0\"></span> fair<span class=\"_ _0\"></span> value IFRS <span class=\"_ _6\"></span>13 req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>s cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ures w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h requ<span class=\"_ _6\"></span>ire t<span class=\"_ _6\"></span>he cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>d at fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue us<span class=\"_ _6\"></span>ing a f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e hie<span class=\"_ _6\"></span>rarc<span class=\"_ _6\"></span>hy tha<span class=\"_ _6\"></span>t ref<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts u<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n ma<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt. Dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sure o<span class=\"_ _6\"></span>f fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts by l<span class=\"_ _6\"></span>evel is a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>g to t<span class=\"_ _6\"></span>he fol<span class=\"_ _6\"></span>lowi<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t hie<span class=\"_ _6\"></span>rarc<span class=\"_ _6\"></span>hy: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 1 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d pri<span class=\"_ _6\"></span>ces (un<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>ted) i<span class=\"_ _6\"></span>n ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve mar<span class=\"_ _6\"></span>kets fo<span class=\"_ _6\"></span>r ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s or l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ca<span class=\"_ _6\"></span>n acce<span class=\"_ _6\"></span>ss </span></span>at the mea<span class=\"_ _0\"></span>surement<span class=\"_ _0\"></span> date<span class=\"_ _0\"></span>; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 2 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n level 1 t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t are o<span class=\"_ _6\"></span>bser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e for t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts or l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>, </span></span>either directly or<span class=\"_ _0\"></span> indirectly;<span class=\"_ _0\"></span> and  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 3 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re un<span class=\"_ _6\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s for t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s or l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies.<span class=\"_ _2f2\"> </span></span></span>The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re not t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in an a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive ma<span class=\"_ _6\"></span>rket (<span class=\"_ _6\"></span>for exa<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>e, inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans) is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by us<span class=\"_ _6\"></span>ing v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>iq<span class=\"_ _6\"></span>ues. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>uat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n tech<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>s max<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he use o<span class=\"_ _6\"></span>f obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>ble m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket da<span class=\"_ _6\"></span>ta wh<span class=\"_ _6\"></span>ere i<span class=\"_ _6\"></span>t is avai<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>nd rel<span class=\"_ _6\"></span>y as li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le as p<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le on e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>s. If a<span class=\"_ _6\"></span>ll s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t inp<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>s req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d to fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue a<span class=\"_ _6\"></span>n ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>re obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, the i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt is i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed in l<span class=\"_ _6\"></span>evel 2. I<span class=\"_ _6\"></span>f on<span class=\"_ _6\"></span>e or mo<span class=\"_ _6\"></span>re of th<span class=\"_ _6\"></span>e si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re not b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on o<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le m<span class=\"_ _6\"></span>arket da<span class=\"_ _6\"></span>ta, t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt is i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude<span class=\"_ _6\"></span>d in l<span class=\"_ _6\"></span>evel 3. A<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he leve<span class=\"_ _6\"></span>l app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed to f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts is a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>ropr<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>te and whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er a t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en l<span class=\"_ _6\"></span>evels is re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ired i<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>taken a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e end o<span class=\"_ _6\"></span>f eac<span class=\"_ _6\"></span>h acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od. T<span class=\"_ _6\"></span>here we<span class=\"_ _6\"></span>re no t<span class=\"_ _6\"></span>rans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n level<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar or p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>or yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>The F<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce d<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rms t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons o<span class=\"_ _6\"></span>f ite<span class=\"_ _6\"></span>ms req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>red for f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>urp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>s, in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g leve<span class=\"_ _6\"></span>l 3 fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ues<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>ch pre<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>ly u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>e dis<span class=\"_ _6\"></span>coun<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ow met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd pre<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>ves to de<span class=\"_ _6\"></span>rive c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns de<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s Ri<span class=\"_ _6\"></span>sk tea<span class=\"_ _6\"></span>m in co<span class=\"_ _6\"></span>mbi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th a m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket-d<span class=\"_ _6\"></span>rive<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>coun<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te. This t<span class=\"_ _6\"></span>eam rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e Chi<span class=\"_ _6\"></span>ef Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>icer (\u201c<span class=\"_ _6\"></span>CFO<span class=\"_ _6\"></span>\u201d). Dis<span class=\"_ _6\"></span>cuss<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of val<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s are h<span class=\"_ _6\"></span>eld re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>ly a<span class=\"_ _6\"></span>t Bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce She<span class=\"_ _6\"></span>et an<span class=\"_ _6\"></span>d Valua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on C<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tee me<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s alo<span class=\"_ _6\"></span>ng w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h reg<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>r up<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>es provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e Aud<span class=\"_ _6\"></span>it C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mit<span class=\"_ _5\"></span>tee.<span class=\"_ _2f2\"> </span><table class=\"s w3a0 hc5\" id=\"_b5a6444d-d3e0-42f2-89c9-e778869a7023\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x6c9 h28 y2a06 ff56 fs19 fc2 sc0 lsc9 wsed\">Fair<span class=\"_ _0\"></span> value<span class=\"_ _0\"></span> measurement<span class=\"_ _0\"></span> using<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x6ca y2a07 w3a1 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x6cb y2a07 w37c h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2024<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x6cc h28 y2a08 ff53 fs19 fc3 sc0 ls12 ws16\">Qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d </td><td></td><td></td><td class=\"t m0 x6cd h28 y2a08 ff56 fs19 fc2 sc0 lsc8 wsec\">Quoted </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6ce h28 y2a09 ff53 fs19 fc3 sc0 lscd ws102\">prices<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6cf h28 y2a09 ff53 fs19 fc3 sc0 lsca wsee\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d0 h28 y2a09 ff53 fs19 fc3 sc0 lsca wsee\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d1 h28 y2a09 ff56 fs19 fc2 sc0 ls11b ws144\">prices<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37c h28 y2a09 ff56 fs19 fc2 sc0 lsc9 wsed\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x377 h28 y2a09 ff56 fs19 fc2 sc0 lsc9 wsed\">Significant<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6d2 h28 y2a0a ff53 fs19 fc3 sc0 ls12 ws16\">in a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive </td><td class=\"t m0 x6d3 h28 y2a0a ff53 fs19 fc3 sc0 lsc8 wsec\">observable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b3 h28 y2a0a ff53 fs19 fc3 sc0 lscb wsef\">unobservable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d4 h28 y2a0a ff56 fs19 fc2 sc0 ls12 ws16\">in a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive </td><td class=\"t m0 x548 h28 y2a0a ff55 fs19 fc2 sc0 lsdb ws103\">observable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d5 h28 y2a0a ff55 fs19 fc2 sc0 lsca wsee\">unobservable<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6d6 h28 y2a0b ff53 fs19 fc3 sc0 lsc8 wsec\">markets<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d7 h28 y2a0b ff53 fs19 fc3 sc0 lsca wsee\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2a0b ff53 fs19 fc3 sc0 lsca wsee\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37b h28 y2a0b ff56 fs19 fc2 sc0 lseb ws110\">ma<span class=\"_ _6\"></span>rke<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2aa h28 y2a0b ff56 fs19 fc2 sc0 lscb wsef\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2ab h28 y2a0b ff56 fs19 fc2 sc0 lscb wsef\">inputs<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6cc h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 1)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d9 h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 2)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6da h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 3)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6db h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 1)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a1 h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 2)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4ac h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 3)<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6dc h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a8 h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6dd h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bb h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bc h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2a0e ff54 fs3 fc2 sc0 lsd4 wsf8\">Financial assets<span class=\"_ _0\"></span> <span class=\"_ _1a4\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _40\"> </span> <span class=\"_ _40\"> </span> <span class=\"_ _101\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _f9\"> </span> <span class=\"_ _40\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x1b9 h5 y2a0f ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t </td><td class=\"c n x6de y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6df y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e0 y2a10 w3a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e1 y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e2 y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e3 y2a10 w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a11 ff56 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wbd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e4 y285e w3a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e5 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e6 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e7 y285e w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e8 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e9 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ea y293b w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6eb y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ec y293b w381 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6af y293b w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ed y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69d y293b wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"> </span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ee y28e0 w3a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls81 wsad\">84.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ef y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f0 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f1 y28e0 w389 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">136.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f2 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f3 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x6f4 y280f w3a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">8<span class=\"_ _6\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f5 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f6 y280f w3a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>32<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x537 y280f w3a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">136.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f7 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f8 y280f w3a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td></tr></table>The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of al<span class=\"_ _6\"></span>l SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d by disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f the l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns usi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt ra<span class=\"_ _6\"></span>tes th<span class=\"_ _6\"></span>at ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ges i<span class=\"_ _6\"></span>n mar<span class=\"_ _6\"></span>ket in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ate. T<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>d fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d lo<span class=\"_ _6\"></span>ss was \u00a3<span class=\"_ _6\"></span>120.8 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 (202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>.2 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on)<span class=\"_ _0\"></span>. The g<span class=\"_ _6\"></span>row<span class=\"_ _6\"></span>th i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce was p<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y dr<span class=\"_ _6\"></span>iven by inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>he sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>er-term l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her ve<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>les us<span class=\"_ _6\"></span>ed to f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>d CBI<span class=\"_ _6\"></span>LS, RLS, G<span class=\"_ _6\"></span>GS an<span class=\"_ _6\"></span>d cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n com<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>rcial l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d is me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss. T<span class=\"_ _6\"></span>he gove<span class=\"_ _6\"></span>rnm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t-own<span class=\"_ _6\"></span>ed B<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sh Bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess B<span class=\"_ _6\"></span>ank w<span class=\"_ _6\"></span>ill g<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>tee u<span class=\"_ _6\"></span>p to 80% of t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>f CBI<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e event of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t (and b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en 70% and 8<span class=\"_ _6\"></span>0% of R<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd 70% for GG<span class=\"_ _6\"></span>S lo<span class=\"_ _6\"></span>ans)<span class=\"_ _0\"></span>. The e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ated f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e and c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts wa<span class=\"_ _6\"></span>s \u00a311<span class=\"_ _6\"></span>.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 (2024: \u00a317<span class=\"_ _b\"></span>.8 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on).<span class=\"_ _2f2\"> </span>The m<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t relev<span class=\"_ _6\"></span>ant s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t uno<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>nd di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, de<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ils of w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are se<span class=\"_ _6\"></span>t ou<span class=\"_ _6\"></span>t in n<span class=\"_ _6\"></span>ote 2 for t<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>se wi<span class=\"_ _6\"></span>th m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>l es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n unc<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Sin<span class=\"_ _6\"></span>ce 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024, the for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard<span class=\"_ _6\"></span>-lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e have be<span class=\"_ _6\"></span>en m<span class=\"_ _6\"></span>argi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly u<span class=\"_ _6\"></span>pd<span class=\"_ _6\"></span>ated to in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rate fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast U<span class=\"_ _6\"></span>K GD<span class=\"_ _6\"></span>P an<span class=\"_ _6\"></span>d ris<span class=\"_ _6\"></span>k-free ra<span class=\"_ _6\"></span>te al<span class=\"_ _6\"></span>ong<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>e un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t. Th<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io, ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed l<span class=\"_ _6\"></span>ater i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e no<span class=\"_ _6\"></span>te un<span class=\"_ _6\"></span>der \u201c<span class=\"_ _6\"></span>Key ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es to ma<span class=\"_ _6\"></span>cro sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d in 2025\u201d<span class=\"_ _0\"></span>, is ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d for pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s; however, the sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>rio c<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge h<span class=\"_ _6\"></span>as no<span class=\"_ _6\"></span>t mate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of lo<span class=\"_ _6\"></span>ans.<span class=\"_ _2f2\"> </span>The<span class=\"_ _6\"></span>re have ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>lly b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>es in d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d to dis<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d, pr<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ly dr<span class=\"_ _6\"></span>iven by d<span class=\"_ _6\"></span>ecre<span class=\"_ _6\"></span>ases i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate, du<span class=\"_ _6\"></span>e to ce<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>ank i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ates f<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>nd ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of ra<span class=\"_ _6\"></span>te cut<span class=\"_ _6\"></span>s pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>to swa<span class=\"_ _6\"></span>ps. Ma<span class=\"_ _6\"></span>ny of th<span class=\"_ _6\"></span>e invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in leve<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res have exp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>d a redu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n in di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>unt r<span class=\"_ _6\"></span>ates d<span class=\"_ _6\"></span>ue to de<span class=\"_ _6\"></span>lever<span class=\"_ _6\"></span>agi<span class=\"_ _6\"></span>ng of t<span class=\"_ _6\"></span>he ve<span class=\"_ _6\"></span>hicl<span class=\"_ _6\"></span>es as s<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>or l<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>\u2019 deb<span class=\"_ _6\"></span>t has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n pa<span class=\"_ _6\"></span>id dow<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>e repay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of se<span class=\"_ _6\"></span>nio<span class=\"_ _6\"></span>r deb<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e pas<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ge of t<span class=\"_ _6\"></span>ime have ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y led t<span class=\"_ _6\"></span>o fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e ga<span class=\"_ _6\"></span>ins, a<span class=\"_ _6\"></span>s a resul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt u<span class=\"_ _6\"></span>nwin<span class=\"_ _6\"></span>d, as p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure ca<span class=\"_ _6\"></span>sh f<span class=\"_ _6\"></span>lows of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts whi<span class=\"_ _6\"></span>ch ten<span class=\"_ _6\"></span>d to be b<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>klo<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n the s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure be<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>me ne<span class=\"_ _6\"></span>arer i<span class=\"_ _6\"></span>n ti<span class=\"_ _6\"></span>me to t<span class=\"_ _6\"></span>he ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>te. This<span class=\"_ _6\"></span>, in tu<span class=\"_ _6\"></span>rn, h<span class=\"_ _6\"></span>as le<span class=\"_ _6\"></span>d to a hi<span class=\"_ _6\"></span>ghe<span class=\"_ _6\"></span>r rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive es<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue in t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed to i<span class=\"_ _6\"></span>nvest i<span class=\"_ _6\"></span>n the s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-ter<span class=\"_ _6\"></span>m lo<span class=\"_ _6\"></span>an p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct ove<span class=\"_ _6\"></span>r the ye<span class=\"_ _6\"></span>ar en<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 whi<span class=\"_ _6\"></span>ch rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he maj<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns hel<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025. As t<span class=\"_ _6\"></span>he ea<span class=\"_ _6\"></span>rli<span class=\"_ _6\"></span>er co<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s have se<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>ned a<span class=\"_ _6\"></span>nd ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>ts h<span class=\"_ _6\"></span>ave occu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>is crea<span class=\"_ _6\"></span>tes a fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e year.<span class=\"_ _2f2\"> </span>The re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>us fa<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>bove is a \u00a36.7 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n net f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e los<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the ye<span class=\"_ _6\"></span>ar (2024: \u00a36.4 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n gai<span class=\"_ _6\"></span>n), pr<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ly dr<span class=\"_ _6\"></span>iven by t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of<span class=\"_ _5\"></span>fset by d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt u<span class=\"_ _6\"></span>nwin<span class=\"_ _6\"></span>d on i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s and c<span class=\"_ _6\"></span>o-<span class=\"_ _6\"></span>invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>Se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es to un<span class=\"_ _6\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns in t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s and m<span class=\"_ _6\"></span>oney m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket fu<span class=\"_ _6\"></span>nds w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h and c<span class=\"_ _6\"></span>ash eq<span class=\"_ _6\"></span>uiv<span class=\"_ _6\"></span>ale<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>re no<span class=\"_ _6\"></span>t dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed as re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>ly p<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>ve of def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes, d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d recover<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>ates wo<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>d not b<span class=\"_ _6\"></span>e exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>o resul<span class=\"_ _6\"></span>t in m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>al cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g valu<span class=\"_ _6\"></span>es, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts wh<span class=\"_ _6\"></span>ere a se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt r<span class=\"_ _6\"></span>ates i<span class=\"_ _6\"></span>s disc<span class=\"_ _6\"></span>los<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n note 2.<span class=\"_ _2f2\"> </span>Fair va<span class=\"_ _6\"></span>lue m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>n SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e cons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f com<span class=\"_ _6\"></span>preh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e in \u201c<span class=\"_ _6\"></span>fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue (l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es)/<span class=\"_ _0\"></span>gai<span class=\"_ _6\"></span>ns\u201d.<span class=\"_ _2f2\"> </span>The m<span class=\"_ _6\"></span>ajo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of a<span class=\"_ _6\"></span>ddi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od rel<span class=\"_ _6\"></span>ate to t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f loa<span class=\"_ _6\"></span>ns un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter-term l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are be<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g temp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ly o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ted o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>hee<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nten<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of selling them at<span class=\"_ _0\"></span> a later<span class=\"_ _0\"></span> date<span class=\"_ _0\"></span> and originations ther<span class=\"_ _0\"></span>eaf<span class=\"_ _6\"></span>ter<span class=\"_ _0\"></span> operating under a platform model.<span class=\"_ _2f2\"> </span>A reco<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion of t<span class=\"_ _6\"></span>he m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nt in l<span class=\"_ _6\"></span>evel 3 f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts is s<span class=\"_ _6\"></span>how<span class=\"_ _6\"></span>n as foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span><table class=\"s w3a9 hc6\" id=\"_e84d39a3-7406-463d-a42e-ea270d6ed7c9\"><tr><td></td><td class=\"t m0 x6f9 h28 y2a12 ff55 fs19 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x6f9 h28 y2a13 ff56 fs19 fc2 sc0 ls12 ws16\">he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2a13 ff55 fs19 fc2 sc0 lsca wsee\">Inv<span class=\"_ _0\"></span>estment in<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2a14 ff56 fs19 fc2 sc0 lscb wsef\">value through<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6fa h28 y2a14 ff56 fs19 fc2 sc0 ls12 ws16\">tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2a15 ff56 fs19 fc2 sc0 ls12 ws16\">pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6fb h28 y2a15 ff55 fs19 fc2 sc0 lsc9 wsed\">co-inve<span class=\"_ _0\"></span>stments<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2a16 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a16 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a17 w3aa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce at 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fc y2a17 w3ab h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">18<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fd y2a17 w3ac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">25<span class=\"_ _6\"></span>.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a18 w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2a18 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fe y2a18 w3ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">4<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a19 w3ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Repayments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ff y2a19 w53 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(13.5<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x700 y2a19 w3af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>4.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1a w3b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t gai<span class=\"_ _6\"></span>n on t<span class=\"_ _6\"></span>he ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x526 y2a1a w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x701 y2a1a w370 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">3.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f0 w3b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Other non-cash mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x702 y29f0 w3b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x703 y29f0 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f1 w3b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Disposal of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x704 y29f1 w3b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(5.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f8 y29f1 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1b w3b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2f2 y2a1b w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x705 y2a1b wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1c w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x706 y2a1c w3b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>80.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x707 y2a1c w300 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f2 w3ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Repayments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ff y29f2 w3b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(51.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x708 y29f2 w3b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w3b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Accr<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l of in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x709 y2902 w2dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x330 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f3 w3ba h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Ne<span class=\"_ _6\"></span>t (loss)/gai<span class=\"_ _6\"></span>n on the ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s at fair va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t or los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70a y29f3 w3b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70b y29f3 w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f4 w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70c y29f4 w16a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70d y29f4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w129 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70e y2810 w37f h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70f y2810 wab h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">11.9<span class=\"_ _2f2\"> </span></div></td></tr></table>Financial<span class=\"_ _0\"></span> risk f<span class=\"_ _0\"></span>actors<span class=\"_ _2f2\"> </span>Credit risk<span class=\"_ _2f2\"> </span>Cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k is t<span class=\"_ _6\"></span>he ri<span class=\"_ _6\"></span>sk of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al l<span class=\"_ _6\"></span>oss to t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>f a cus<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>er o<span class=\"_ _6\"></span>r cou<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to a f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>ls to me<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>ts c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>es pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y fro<span class=\"_ _6\"></span>m the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s from c<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ome<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at ba<span class=\"_ _6\"></span>nks<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s max<span class=\"_ _6\"></span>imu<span class=\"_ _6\"></span>m exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk by c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>s of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set is a<span class=\"_ _6\"></span>s foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span><table class=\"s w3bd hc7\" id=\"_6710e427-9067-4ffa-b76d-4d10c91ebdcf\"><tr><td></td><td class=\"t m0 x49f h28 y2a1d ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2a1d ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2a1e ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2a1e ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2a1f ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2a1f ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2a20 ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-current<span class=\"_ _256\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a21 waf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x710 y2a21 wb0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x711 y2a21 w3be h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a22 w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x712 y2a22 w347 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x713 y2a22 wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y2a23 ff54 fs3 fc2 sc0 ls7e wsa9\">Curren<span class=\"_ _6\"></span>t<span class=\"_ _21d\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a18 waf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x621 y2a18 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x622 y2a18 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2943 wb6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x714 y2943 w37f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x711 y2943 w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2944 wb9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x715 y2944 w3bf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x716 y2944 w34c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a24 ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es:<span class=\"_ _16b\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2946 w3c0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">\u2013 T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e rece<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x717 y2946 w3c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d4 y2946 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2808 w3c2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">\u2013 O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er rec<span class=\"_ _6\"></span>eiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x718 y2808 w28 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">6.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x719 y2808 w3c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2947 w3c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2013 Accr<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71a y2947 w35b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">4.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a7 y2947 wde h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28bd w3c5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">\u2013 Ren<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her d<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71b y28bd wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x21e y28bd wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280b wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71c y280b w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">152<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71d y280b w3c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w3c7 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal gross credit risk exposure<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71e y290a w3c8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lsd5 wsfa\">472<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71f y290a w3c9 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2861 w3ca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Less b<span class=\"_ _6\"></span>ank b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>gs</div><div class=\"t m0 x720 h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x721 y2861 w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x722 y2861 w396 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w3cb h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal net credit risk exposure<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x723 y2810 w3cc h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">20<span class=\"_ _6\"></span>4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x724 y2810 w3cd h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls12 ws16\">215.2<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>B<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>k<span class=\"_ gs546\"> </span>bo<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>ar<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>he<span class=\"_ gs546\"> </span>F<span class=\"_ _6\"></span>lex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r-ter<span class=\"_ _6\"></span>m<span class=\"_ gs546\"> </span>lo<span class=\"_ _6\"></span>an<span class=\"_ gs546\"> </span>wa<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>use<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>An ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>n the Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct of \u00a3<span class=\"_ _6\"></span>2.5 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a32.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) is he<span class=\"_ _6\"></span>ld w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin p<span class=\"_ _6\"></span>rovis<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es. T<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s m<span class=\"_ _6\"></span>axi<span class=\"_ _6\"></span>mum ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ure to cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk on t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t if t<span class=\"_ _6\"></span>hey were a<span class=\"_ _6\"></span>ll to be f<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ly dr<span class=\"_ _6\"></span>awn wou<span class=\"_ _6\"></span>ld b<span class=\"_ _6\"></span>e \u00a344<span class=\"_ _6\"></span>6.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a3278.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on). The Gro<span class=\"_ _6\"></span>up has t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y t<span class=\"_ _6\"></span>o freeze, red<span class=\"_ _6\"></span>uce o<span class=\"_ _6\"></span>r wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>draw li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t as a w<span class=\"_ _6\"></span>ay of man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ing as<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk.<span class=\"_ _2f2\"> </span>Cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ates w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld at a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span>Un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up is re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>red to p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>e for l<span class=\"_ _6\"></span>oans m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r the ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s (\u201c<span class=\"_ _6\"></span>ECL<span class=\"_ _b\"></span>\u201d) mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>. The i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t rel<span class=\"_ _6\"></span>ated t<span class=\"_ _6\"></span>o eac<span class=\"_ _6\"></span>h loa<span class=\"_ _6\"></span>n is ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ECL<span class=\"_ _6\"></span>s asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>hat l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n in th<span class=\"_ _6\"></span>e nex<span class=\"_ _6\"></span>t 12 mon<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>s unl<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n a sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk of t<span class=\"_ _6\"></span>hat l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n sin<span class=\"_ _6\"></span>ce or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. Th<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>low f<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>ors a<span class=\"_ _6\"></span>re use<span class=\"_ _6\"></span>d in estimating the impairment:<span class=\"_ _2f2\"> </span><table class=\"s w3ce hc8\" id=\"_0d98c2d5-6834-449a-a9d1-21e6e180ff8e\"><tr><td class=\"c n x1be y2a25 w3cf hc9\"><div class=\"t m0 x1b5 h83 y27ae ff54 fs19 fc2 sc0 lsce wsf1\">Fac<span class=\"_ _6\"></span>tor<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x725 y2a25 w3d0 hc9\"><div class=\"t m0 x1b5 h83 y27ae ff54 fs19 fc2 sc0 lsfc ws124\">Descri<span class=\"_ _6\"></span>ption<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a26 ff55 fs3 fc2 sc0 ls12 ws16\">Prob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of </td><td class=\"t m0 x726 h5 y2a26 ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d PD mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s ta<span class=\"_ _6\"></span>ilo<span class=\"_ _6\"></span>red to e<span class=\"_ _6\"></span>ach T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an or l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t to ass<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>he </td></tr><tr><td class=\"t m0 x1b9 h5 y2a27 ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t (\u201c<span class=\"_ _6\"></span>PD\u201d<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a27 ff55 fs3 fc2 sc0 ls12 ws16\">li<span class=\"_ _6\"></span>kelih<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>d of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>ex<span class=\"_ _6\"></span>t 12 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs and ove<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me. Th<span class=\"_ _6\"></span>e mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s es<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>ate PD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tors </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a28 ff55 fs3 fc2 sc0 ls12 ws16\">in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e late<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ehav<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>r of th<span class=\"_ _6\"></span>e cus<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>ers, c<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>erci<span class=\"_ _6\"></span>al, co<span class=\"_ _6\"></span>nsu<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a29 ff55 fs3 fc2 sc0 ls12 ws16\">cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t dat<span class=\"_ _6\"></span>a sh<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ing (\u201c<span class=\"_ _6\"></span>CC<span class=\"_ _6\"></span>DS\u201d<span class=\"_ _6\"></span>) da<span class=\"_ _6\"></span>ta p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>. The PD m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el al<span class=\"_ _6\"></span>so in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s an </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a2a ff56 fs3 fc2 sc0 ls12 ws16\">es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate o<span class=\"_ _6\"></span>f the ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>ic ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a2b ff56 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xpo<span class=\"_ _6\"></span>sure a<span class=\"_ _6\"></span>t </td><td class=\"t m0 x726 h5 y2a2b ff56 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d an E<span class=\"_ _6\"></span>AD m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el for l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ts to as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e likel<span class=\"_ _6\"></span>y exp<span class=\"_ _6\"></span>osure a<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. </td></tr><tr><td class=\"t m0 x1b9 h5 y2a2c ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t (\u201c<span class=\"_ _6\"></span>E<span class=\"_ _6\"></span>AD\u201d<span class=\"_ _6\"></span>) </td><td class=\"t m0 x726 h5 y2a2c ff55 fs3 fc2 sc0 ls12 ws16\">The m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>tes es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tes of E<span class=\"_ _6\"></span>AD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d up<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>t paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t beh<span class=\"_ _6\"></span>avio<span class=\"_ _6\"></span>ur of t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>mer, the c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a2d ff55 fs3 fc2 sc0 ls12 ws16\">li<span class=\"_ _6\"></span>mit u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n, an<span class=\"_ _6\"></span>d proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on at d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved h<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tori<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a2e ff55 fs3 fc2 sc0 ls70 ws74\">Loss gi<span class=\"_ _6\"></span>ven def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t </td><td class=\"t m0 x726 h5 y2a2e ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD m<span class=\"_ _6\"></span>ode<span class=\"_ _6\"></span>ls t<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ore<span class=\"_ _6\"></span>d to eac<span class=\"_ _6\"></span>h T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>n or li<span class=\"_ _6\"></span>ne of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct to a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ss t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>kely </td></tr><tr><td class=\"t m0 x1b9 h5 y2a2f ff55 fs3 fc2 sc0 ls27 ws69\">(\u201c<span class=\"_ _5\"></span>LG<span class=\"_ _6\"></span>D\u201d<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a2f ff55 fs3 fc2 sc0 ls12 ws16\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l los<span class=\"_ _6\"></span>s gi<span class=\"_ _6\"></span>ven an a<span class=\"_ _6\"></span>ccou<span class=\"_ _6\"></span>nt d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates of LGD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on hi<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cal d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a on </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a30 ff55 fs3 fc2 sc0 ls12 ws16\">obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d acco<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a31 w3d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Discount rat<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x727 y2a31 w3d2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p use<span class=\"_ _6\"></span>s acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t-leve<span class=\"_ _6\"></span>l ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te whi<span class=\"_ _6\"></span>ch is c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt o<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a32 ff55 fs3 fc2 sc0 ls12 ws16\">lo<span class=\"_ _6\"></span>an am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t, i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st a<span class=\"_ _6\"></span>nd fee<span class=\"_ _6\"></span>s, exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted re<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng pre<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d ter<span class=\"_ _6\"></span>m.<span class=\"_ _2f2\"> </span></td></tr></table>Model change<span class=\"_ _0\"></span>s sinc<span class=\"_ _0\"></span>e 3<span class=\"_ _0\"></span>1 December<span class=\"_ _0\"></span> 20<span class=\"_ _0\"></span>24<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has ref<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>ts EC<span class=\"_ _6\"></span>L mo<span class=\"_ _6\"></span>del m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>log<span class=\"_ _6\"></span>y sin<span class=\"_ _6\"></span>ce 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024. The key chan<span class=\"_ _6\"></span>ges a<span class=\"_ _6\"></span>re as ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow. The ove<span class=\"_ _6\"></span>ral<span class=\"_ _6\"></span>l imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>tes on a l<span class=\"_ _6\"></span>ike-fo<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-l<span class=\"_ _6\"></span>ike bas<span class=\"_ _6\"></span>is wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>us me<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>olo<span class=\"_ _6\"></span>gy is n<span class=\"_ _6\"></span>ot m<span class=\"_ _6\"></span>ater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l to th<span class=\"_ _6\"></span>e overal<span class=\"_ _6\"></span>l ECL f<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ure; however, it res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts in a l<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ropo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces in s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>age 2 c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>are<span class=\"_ _6\"></span>d to st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 bu<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th a l<span class=\"_ _6\"></span>ower P<span class=\"_ _6\"></span>D.<span class=\"_ _2f2\"> </span><table class=\"s w3d3 hca\" id=\"_16c2e7fa-c289-4dcd-a4b1-8e7e666f837d\"><tr><td class=\"c n x1be y2a33 w3d4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc8 wsec\">Model component<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x728 y2a33 w3d5 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge si<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>e 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a34 wb8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5 ws43\">PD<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x729 y2a34 w3d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _6\"></span>he PD is n<span class=\"_ _6\"></span>ow ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d us<span class=\"_ _6\"></span>ing a m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>akes a n<span class=\"_ _6\"></span>umb<span class=\"_ _6\"></span>er of i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>t va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es de<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m com<span class=\"_ _6\"></span>merc<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>,<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a35 ff55 fs3 fc2 sc0 ls12 ws16\">con<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>er<span class=\"_ _0\"></span>, fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d beh<span class=\"_ _6\"></span>avio<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>l sou<span class=\"_ _6\"></span>rces of d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a, wh<span class=\"_ _6\"></span>ich h<span class=\"_ _6\"></span>ave bee<span class=\"_ _6\"></span>n obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved t<span class=\"_ _6\"></span>o cor<span class=\"_ _6\"></span>rela<span class=\"_ _6\"></span>te wi<span class=\"_ _6\"></span>th a d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t. </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a36 ff55 fs3 fc2 sc0 ls12 ws16\">The<span class=\"_ _6\"></span>se in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re comb<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed to d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ne a PD cu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve for eac<span class=\"_ _6\"></span>h bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, wit<span class=\"_ _6\"></span>h 12-mon<span class=\"_ _6\"></span>th PD u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed fo<span class=\"_ _6\"></span>r st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a37 ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me PD fo<span class=\"_ _6\"></span>r st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2. The m<span class=\"_ _6\"></span>argi<span class=\"_ _6\"></span>nal PD<span class=\"_ _6\"></span>s are us<span class=\"_ _6\"></span>ed to c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>cul<span class=\"_ _6\"></span>ate an EC<span class=\"_ _6\"></span>L in e<span class=\"_ _6\"></span>ach res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a38 ff55 fs3 fc2 sc0 ls12 ws16\">pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d. Prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>sly PD w<span class=\"_ _6\"></span>as de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed us<span class=\"_ _6\"></span>ing m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>els t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e late<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ehav<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>r of cus<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>ers </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a39 ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d obse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ved h<span class=\"_ _6\"></span>isto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l tren<span class=\"_ _6\"></span>ds to p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2a3a ff56 fs3 fc2 sc0 ls3d ws47\">Signific<span class=\"_ _6\"></span>ant </td><td class=\"t m0 x72a h5 y2a3a ff55 fs3 fc2 sc0 ls12 ws16\">The d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk (\u201c<span class=\"_ _6\"></span>SI<span class=\"_ _6\"></span>CR<span class=\"_ _6\"></span>\u201d) us<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted to re<span class=\"_ _6\"></span>feren<span class=\"_ _6\"></span>ce </td></tr><tr><td class=\"t m0 x250 h5 y2a3b ff56 fs3 fc2 sc0 ls3d ws47\">increas<span class=\"_ _0\"></span>e in </td><td class=\"t m0 x72a h5 y2a3b ff55 fs3 fc2 sc0 ls12 ws16\">th<span class=\"_ _6\"></span>e rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ve cha<span class=\"_ _6\"></span>nge i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re bet<span class=\"_ _5\"></span>ween o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t dat<span class=\"_ _6\"></span>e. Previo<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y SI<span class=\"_ _6\"></span>CR was </td></tr><tr><td class=\"t m0 x250 h5 y2a3c ff56 fs3 fc2 sc0 ls39 ws42\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x72a h5 y2a3c ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>s incl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ny acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t whic<span class=\"_ _6\"></span>h was overd<span class=\"_ _6\"></span>ue o<span class=\"_ _6\"></span>r frozen. This c<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n a hig<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a3d ff55 fs3 fc2 sc0 ls12 ws16\">acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts m<span class=\"_ _6\"></span>oving t<span class=\"_ _6\"></span>o st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2 pri<span class=\"_ _6\"></span>or to b<span class=\"_ _6\"></span>eco<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ng la<span class=\"_ _6\"></span>te or d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g, rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive to t<span class=\"_ _6\"></span>he prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>s met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d. </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a3e ff55 fs3 fc2 sc0 ls12 ws16\">The b<span class=\"_ _6\"></span>ack<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>p of 30 d<span class=\"_ _6\"></span>ays pas<span class=\"_ _6\"></span>t du<span class=\"_ _6\"></span>e rem<span class=\"_ _6\"></span>ains i<span class=\"_ _6\"></span>n pl<span class=\"_ _6\"></span>ace.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a3f w3d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">EAD<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72b y2a3f w3d8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Th<span class=\"_ _6\"></span>e E<span class=\"_ _6\"></span>AD m<span class=\"_ _6\"></span>eth<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ogy h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en ref<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ned to t<span class=\"_ _6\"></span>ake ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt of a<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ysis of t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>A<span class=\"_ _6\"></span>D bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n more g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a40 ff55 fs3 fc2 sc0 ls12 ws16\">ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>s for s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 an<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2. This a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>roac<span class=\"_ _6\"></span>h has res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>n mo<span class=\"_ _6\"></span>re accu<span class=\"_ _6\"></span>rate E<span class=\"_ _6\"></span>A<span class=\"_ _6\"></span>D pre<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on w<span class=\"_ _6\"></span>hen </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a41 ff55 fs3 fc2 sc0 ls12 ws16\">ba<span class=\"_ _6\"></span>ck tes<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>gai<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>t ac<span class=\"_ _6\"></span>tua<span class=\"_ _6\"></span>l resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s acro<span class=\"_ _6\"></span>ss po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>folio<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pare<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ss gr<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>lar c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it co<span class=\"_ _6\"></span>nvers<span class=\"_ _6\"></span>ion f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tor </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a42 ff56 fs3 fc2 sc0 lsdf ws107\">approach used pr<span class=\"_ _0\"></span>eviously<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a43 w3d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls27 ws69\">LG<span class=\"_ _6\"></span>D<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72c y2a43 w3da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">The as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns be<span class=\"_ _6\"></span>hin<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD u<span class=\"_ _6\"></span>sed fo<span class=\"_ _6\"></span>r Flex<span class=\"_ _6\"></span>iPay h<span class=\"_ _6\"></span>ave previo<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y be<span class=\"_ _6\"></span>en b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on th<span class=\"_ _6\"></span>e ex<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rap<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f lim<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a44 ff56 fs3 fc2 sc0 ls12 ws16\">ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al rec<span class=\"_ _6\"></span>over<span class=\"_ _6\"></span>y da<span class=\"_ _6\"></span>ta g<span class=\"_ _6\"></span>iven t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ivel<span class=\"_ _6\"></span>y sma<span class=\"_ _6\"></span>ll l<span class=\"_ _6\"></span>evels of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n the p<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>foli<span class=\"_ _6\"></span>o to da<span class=\"_ _6\"></span>te. The a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>roac<span class=\"_ _6\"></span>h has </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a45 ff55 fs3 fc2 sc0 ls12 ws16\">be<span class=\"_ _6\"></span>en ref<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed to s<span class=\"_ _6\"></span>upp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>ta li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h su<span class=\"_ _6\"></span>bst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Lo<span class=\"_ _6\"></span>an rec<span class=\"_ _6\"></span>over<span class=\"_ _6\"></span>y info<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on, i<span class=\"_ _6\"></span>n lig<span class=\"_ _6\"></span>ht of a </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a46 ff55 fs3 fc2 sc0 ls12 ws16\">sh<span class=\"_ _6\"></span>ared re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>y p<span class=\"_ _6\"></span>roces<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e prod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>t a bor<span class=\"_ _6\"></span>rower l<span class=\"_ _6\"></span>evel an<span class=\"_ _6\"></span>d as ma<span class=\"_ _6\"></span>ny Flexi<span class=\"_ _6\"></span>Pay b<span class=\"_ _6\"></span>orrow<span class=\"_ _6\"></span>ers a<span class=\"_ _6\"></span>lso have </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a47 ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>, lea<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng to an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>roved bas<span class=\"_ _6\"></span>is for p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e L<span class=\"_ _0\"></span>GD u<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>il mo<span class=\"_ _6\"></span>re Flex<span class=\"_ _6\"></span>iPay d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a be<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>es </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a48 ff55 fs3 fc2 sc0 ls12 ws16\">avai<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le i<span class=\"_ _6\"></span>n fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a49 w3db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>cro sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72d y2a49 w3dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s m<span class=\"_ _6\"></span>acro s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>os prev<span class=\"_ _6\"></span>ious<span class=\"_ _6\"></span>ly i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ora<span class=\"_ _6\"></span>ted j<span class=\"_ _6\"></span>ust u<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt as a fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast v<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>ake<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4a ff55 fs3 fc2 sc0 ls12 ws16\">acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>oki<span class=\"_ _6\"></span>ng i<span class=\"_ _6\"></span>nfor<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p now u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>es UK u<span class=\"_ _6\"></span>nem<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt ra<span class=\"_ _6\"></span>tes, t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk-fre<span class=\"_ _6\"></span>e rat<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4b ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d GDP a<span class=\"_ _6\"></span>s the s<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast v<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>les, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h hi<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d coe<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n the<span class=\"_ _6\"></span>se va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es to </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4c ff55 fs3 fc2 sc0 ls12 ws16\">pre<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>venci<span class=\"_ _6\"></span>es, i<span class=\"_ _6\"></span>nste<span class=\"_ _6\"></span>ad of s<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ely u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g une<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent r<span class=\"_ _6\"></span>ates p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Fur<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ails a<span class=\"_ _6\"></span>re provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d lat<span class=\"_ _6\"></span>er </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4d ff56 fs3 fc2 sc0 ls12 ws16\">in t<span class=\"_ _6\"></span>his n<span class=\"_ _6\"></span>ote.<span class=\"_ _2f2\"> </span></td></tr></table>Definitions<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns wh<span class=\"_ _6\"></span>en c<span class=\"_ _6\"></span>alcu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e ECL o<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>ets:<span class=\"_ _2f2\"> </span><table class=\"s w3dd hcb\" id=\"_dc555638-0e1a-41ff-9441-6a5c3a4d5482\"><tr><td class=\"c n x1be y2a4e w3de h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">Component<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72e y2a4e w3df h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">Definition/assumption<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a4f ff56 fs3 fc2 sc0 ls3d ws47\">Signific<span class=\"_ _6\"></span>ant </td><td class=\"t m0 x726 h5 y2a4f ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p assu<span class=\"_ _6\"></span>mes t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n a sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e prob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>exed </td></tr><tr><td class=\"t m0 x1b9 h5 y2a50 ff56 fs3 fc2 sc0 ls3d ws47\">increas<span class=\"_ _0\"></span>e in </td><td class=\"t m0 x726 h5 y2a50 ff55 fs3 fc2 sc0 ls2b ws66\">to th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k score of t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r has in<span class=\"_ _6\"></span>crea<span class=\"_ _6\"></span>sed over g<span class=\"_ _6\"></span>iven t<span class=\"_ _6\"></span>hres<span class=\"_ _6\"></span>hol<span class=\"_ _6\"></span>ds si<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e bal<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et </td></tr><tr><td class=\"t m0 x1b9 h5 y2a51 ff56 fs3 fc2 sc0 ls39 ws42\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a51 ff55 fs3 fc2 sc0 ls2b ws66\">da<span class=\"_ _6\"></span>te. A back<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>p is app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed for any ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s on th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent wh<span class=\"_ _6\"></span>ich exce<span class=\"_ _6\"></span>ed 3<span class=\"_ _6\"></span>0 days, in l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span> </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a52 ff55 fs3 fc2 sc0 ls12 ws16\">wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e pre<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 9.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a53 w3e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72f y2a53 w3e1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">We est<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>te PD, EA<span class=\"_ _6\"></span>D an<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD for t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>me of t<span class=\"_ _6\"></span>he T<span class=\"_ _0\"></span>erm Loa<span class=\"_ _6\"></span>n or li<span class=\"_ _6\"></span>ne of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. T<span class=\"_ _b\"></span>er<span class=\"_ _6\"></span>m Loa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a54 ff55 fs3 fc2 sc0 ls12 ws16\">ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ual te<span class=\"_ _6\"></span>rm of t<span class=\"_ _6\"></span>he T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an. Fo<span class=\"_ _6\"></span>r lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e is es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted to b<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a55 ff56 fs3 fc2 sc0 ls69 wsb9\">f<span class=\"_ _6\"></span>ive ye<span class=\"_ _6\"></span>ars<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a56 ff56 fs3 fc2 sc0 ls3d ws47\">Definit<span class=\"_ _6\"></span>ion </td><td class=\"t m0 x726 h5 y2a56 ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es a def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>, cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ied w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n non<span class=\"_ _6\"></span>-p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>, as a lo<span class=\"_ _6\"></span>an inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th any o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g </td></tr><tr><td class=\"t m0 x1b9 h5 y2a57 ff56 fs3 fc2 sc0 ls12 ws16\">of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a57 ff55 fs3 fc2 sc0 ls12 ws16\">amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts exce<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>ing 9<span class=\"_ _6\"></span>0 days p<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>eir d<span class=\"_ _6\"></span>ue da<span class=\"_ _6\"></span>te, wh<span class=\"_ _6\"></span>ich ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>int a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an is c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a58 ff55 fs3 fc2 sc0 ls5d ws84\">to be cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>red. I<span class=\"_ _6\"></span>n som<span class=\"_ _6\"></span>e circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces w<span class=\"_ _6\"></span>here l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s are bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k by the G<span class=\"_ _6\"></span>roup, t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a59 ff55 fs3 fc2 sc0 ls5d ws84\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efi<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d or or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red (\u201c<span class=\"_ _6\"></span>PO<span class=\"_ _6\"></span>CI\u201d<span class=\"_ _6\"></span>); this<span class=\"_ _6\"></span> </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5a ff55 fs3 fc2 sc0 ls12 ws16\">el<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t is th<span class=\"_ _6\"></span>erefo<span class=\"_ _6\"></span>re bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me EC<span class=\"_ _6\"></span>Ls.<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5b ff55 fs3 fc2 sc0 ls5d ws84\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ame d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>nd pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f defa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9; howeve<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, they are </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5c ff55 fs3 fc2 sc0 ls5d ws84\">ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on 12-mon<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he over<span class=\"_ _6\"></span>all ava<span class=\"_ _6\"></span>ila<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e lin<span class=\"_ _6\"></span>e of cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>evel, es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5d ff56 fs3 fc2 sc0 ls5d ws16\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ilis<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e lin<span class=\"_ _6\"></span>e of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t of de<span class=\"_ _6\"></span>faul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. The ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5e ff55 fs3 fc2 sc0 ls12 ws16\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it i<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n oth<span class=\"_ _6\"></span>er l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>n not<span class=\"_ _6\"></span>e 15.<span class=\"_ _2f2\"> </span></td></tr></table>SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns hel<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t also i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns whi<span class=\"_ _6\"></span>ch have be<span class=\"_ _6\"></span>en bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k from inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s wit<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion of co<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows. Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>ise \u00a3<span class=\"_ _6\"></span>172.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a397<span class=\"_ _b\"></span>.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>ion) of d<span class=\"_ _6\"></span>rawn a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s thro<span class=\"_ _6\"></span>ug<span class=\"_ _6\"></span>h the F<span class=\"_ _6\"></span>lexi<span class=\"_ _6\"></span>Pay pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct n<span class=\"_ _6\"></span>et of ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d credit loss<span class=\"_ _0\"></span> impairment.<span class=\"_ _2f2\"> </span>The g<span class=\"_ _6\"></span>ross p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e plu<span class=\"_ _6\"></span>s acc<span class=\"_ _6\"></span>rue<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t of S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t is \u00a3<span class=\"_ _6\"></span>4.0 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a311<span class=\"_ _6\"></span>.3 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) and dr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t is \u00a3205<span class=\"_ _6\"></span>.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>ion (2024: \u00a311<span class=\"_ _6\"></span>0.0 mill<span class=\"_ _6\"></span>ion), tot<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>ing \u00a3<span class=\"_ _6\"></span>209.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a3121.3 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion), and an a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce for exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t loss<span class=\"_ _6\"></span>es of \u00a31.<span class=\"_ _6\"></span>9 mill<span class=\"_ _6\"></span>ion (2024: <span class=\"_ _0\"></span>\u00a39.2 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) and \u00a332.2 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a312.9 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) r<span class=\"_ _0\"></span>esp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ively, <span class=\"_ _0\"></span>tot<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g \u00a334.1 <span class=\"_ _0\"></span>mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a322.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n), is hel<span class=\"_ _6\"></span>d aga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns and d<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow.<span class=\"_ _2f2\"> </span>An i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cha<span class=\"_ _6\"></span>rge of \u00a3<span class=\"_ _6\"></span>18<span class=\"_ _6\"></span>.5 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt ch<span class=\"_ _6\"></span>arge o<span class=\"_ _6\"></span>f \u00a37<span class=\"_ _b\"></span>.0 mill<span class=\"_ _6\"></span>ion) wa<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me in t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar to 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nsol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to dr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>Add<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly<span class=\"_ _0\"></span>, an expe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d credi<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t credi<span class=\"_ _6\"></span>t rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng to und<span class=\"_ _6\"></span>rawn Flex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay <span class=\"_ _0\"></span>li<span class=\"_ _6\"></span>nes of cred<span class=\"_ _6\"></span>it of \u00a30.2 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (<span class=\"_ _0\"></span>31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024: \u00a31<span class=\"_ _6\"></span>.3 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on ch<span class=\"_ _6\"></span>arge) an<span class=\"_ _6\"></span>d an ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt ch<span class=\"_ _6\"></span>arge re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed to o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>uyb<span class=\"_ _6\"></span>acks o<span class=\"_ _6\"></span>f \u00a3ni<span class=\"_ _6\"></span>l (202<span class=\"_ _0\"></span>4: \u00a30.4 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) were re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n note<span class=\"_ _6\"></span>s 15 a<span class=\"_ _6\"></span>nd 27<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span>The Grou<span class=\"_ _6\"></span>p band<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>eac<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>lo<span class=\"_ _6\"></span>an invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt at <span class=\"_ _0\"></span>or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n using an inte<span class=\"_ _6\"></span>rna<span class=\"_ _6\"></span>l risk rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>and ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>es credi<span class=\"_ _6\"></span>t loss<span class=\"_ _6\"></span>es on <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive por<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>foli<span class=\"_ _6\"></span>o <span class=\"_ _0\"></span>ba<span class=\"_ _6\"></span>sis<span class=\"_ _6\"></span> by produ<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>. Cred<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk gra<span class=\"_ _6\"></span>des are no<span class=\"_ _6\"></span>t repor<span class=\"_ _5\"></span>ted to mana<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>on an on<span class=\"_ _6\"></span>goi<span class=\"_ _6\"></span>ng bas<span class=\"_ _6\"></span>is and th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>on<span class=\"_ _6\"></span>ly bor<span class=\"_ _6\"></span>rower-spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n tha<span class=\"_ _6\"></span>t is pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd us<span class=\"_ _6\"></span>ed is p<span class=\"_ _6\"></span>ast d<span class=\"_ _6\"></span>ue s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>s. The<span class=\"_ _6\"></span>re is no s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk to s<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c ind<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>r ge<span class=\"_ _6\"></span>ogr<span class=\"_ _6\"></span>aph<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al reg<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns.<span class=\"_ _2f2\"> </span><table class=\"s w3e2 hcc\" id=\"_2c978e7c-e154-44bd-9b0a-12c80ec5eb54\"><tr><td></td><td class=\"t m0 x67b h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 </td><td class=\"t m0 x730 h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x731 h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x677 h28 y2a60 ff55 fs19 fc2 sc0 lsca wsee\">Performing<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x732 h28 y2a60 ff56 fs19 fc2 sc0 ls92 ws19c\">Underper<span class=\"_ _6\"></span>forming<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x733 h28 y2a60 ff55 fs19 fc2 sc0 lscb wsef\">Non-per<span class=\"_ _6\"></span>forming<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x734 h28 y2a60 ff55 fs19 fc2 sc0 lsc8 wsec\">POCI:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2a60 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h83 y2a61 ff54 fs19 fc2 sc0 lsca wsee\">Reconciliation of<span class=\"_ _0\"></span> opening to<span class=\"_ _0\"></span> closing<span class=\"_ _0\"></span> gross carrying amounts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a63 w3e3 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">At 1 Ja<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x736 y2a64 w3e4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls25 ws7d\">55.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x737 y2a64 w329 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls2f ws37\">2.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x738 y2a64 w3e5 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">4.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x739 y2a64 w3e6 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>4.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e3 y2a64 w3e7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls75 wsb4\">76.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a65 w3e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">New l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73a y2a65 w3e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">4<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73b y2a65 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73c y2a65 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x359 y2a65 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73d y2a65 w21d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">4<span class=\"_ _5\"></span>6<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a66 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a66 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a66 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73e y2a66 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73f y2a66 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x740 y2a66 w3ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a67 w3eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x741 y2a67 w3ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(14.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x742 y2a67 w3ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x743 y2a67 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a7 y2a67 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x744 y2a67 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a68 w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x745 y2a68 w3ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>0<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>7<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47e y2a68 w3f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x746 y2a68 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x747 y2a68 w3f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x748 y2a68 w3f2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls67 ws99\">(415<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a69 w3f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Wri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x662 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x663 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x664 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x665 y2a69 w7c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x749 y2a69 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6a w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74a y2a6a w3f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74b y2a6a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74c y2a6a w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74d y2a6a w2ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74e y2a6a w3f5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(6<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6b w3f6 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74f y2a6c w3f7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">9<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x750 y2a6c w118 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x751 y2a6c w3f8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x752 y2a6c w103 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls39 ws42\">8<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x753 y2a6c w3f9 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">121.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6d w3e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">New l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x754 y2a6d w3fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">7<span class=\"_ _6\"></span>78.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x755 y2a6d wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66d y2a6d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66e y2a6d wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x756 y2a6d w3fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">780.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6e w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a6e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f4 y2a6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x757 y2a6e w3fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x758 y2a6e we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6f w3fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x759 y2a6f w3fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75a y2a6f w3ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75b y2a6f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c5 y2a6f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75c y2a6f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a70 w3eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75d y2a70 w400 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls5 ws43\">(25.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75e y2a70 w401 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75f y2a70 w402 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x760 y2a70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x761 y2a70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a71 w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x762 y2a71 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x763 y2a71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x764 y2a71 w403 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4.6<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x765 y2a71 w404 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a72 w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x766 y2a72 w405 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls30 ws38\">(68<span class=\"_ _6\"></span>0.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x767 y2a72 w406 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(3.4<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x768 y2a72 w407 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x769 y2a72 w408 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76a y2a72 w409 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>8<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a73 w3f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Wri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x662 y2a73 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x663 y2a73 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76b y2a73 w40a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(<span class=\"_ _6\"></span>0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76c y2a73 w40b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(3<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76d y2a73 w40c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(4<span class=\"_ _5\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76e y2810 w40d h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">16<span class=\"_ _6\"></span>4.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76f y2810 w40e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">22.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x770 y2810 w40f h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls25 ws7d\">20.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x771 y2810 wb0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x772 y2810 w410 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>0<span class=\"_ _5\"></span>9.1<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w12d hcd\" id=\"_8200e214-ad78-4fcd-8dc2-ed9c818f2c6e\"><tr><td></td><td class=\"t m0 x67b h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x730 h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x731 h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x773 h28 y2a75 ff55 fs19 fc2 sc0 lsca wsee\">Performing:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x732 h28 y2a75 ff55 fs19 fc2 sc0 ls14c ws17f\">Underper<span class=\"_ _6\"></span>forming<span class=\"_ _0\"></span>:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x774 h28 y2a75 ff55 fs19 fc2 sc0 lsca wsee\">Non-per<span class=\"_ _6\"></span>forming<span class=\"_ _0\"></span>:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x734 h28 y2a75 ff55 fs19 fc2 sc0 lsc8 wsec\">POCI:<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x775 h28 y2a76 ff55 fs19 fc2 sc0 ls12 ws16\">12-m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>h EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x776 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x777 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x778 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2a76 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h83 y2a77 ff54 fs19 fc2 sc0 lsca wsee\">Reconciliation of<span class=\"_ _0\"></span> opening to<span class=\"_ _0\"></span> closing<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a78 w3e3 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 1 Ja<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x779 y2a79 w1ef h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">1.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77a y2a79 w1e8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77b y2a79 w327 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77c y2a79 w411 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls4c ws108\">13.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77d y2a79 w412 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">20<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7a w413 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t new len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed asse<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77e y2a7a w414 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">12.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77f y2a7a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d2 y2a7a w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x341 y2a7a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x780 y2a7a w414 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">12.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7b w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a7b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a7b w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73e y2a7b w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x739 y2a7b w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x781 y2a7b w3ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7c w415 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>st lo<span class=\"_ _6\"></span>ans t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfe<span class=\"_ _6\"></span>rred b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x782 y2a7c w416 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x783 y2a7c w1f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">3.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x784 y2a7c wcb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x785 y2a7c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x786 y2a7c w417 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7d w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x787 y2a7d w418 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(11<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x788 y2a7d w419 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x789 y2a7d w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78a y2a7d w2e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78b y2a7d w41a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a7e w41b hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>on d<span class=\"_ _6\"></span>erec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">wr<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ten of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a7f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78e y2a7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78f y2a7f w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x790 y2a7f w7c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a80 ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>iven </td><td class=\"c n x791 y2a81 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x792 y2a81 w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x793 y2a81 w3f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x794 y2a81 w234 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x795 y2a81 w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a82 ff56 fs3 fc2 sc0 ls3d ws47\">default assumptions<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1be y2a83 w41c hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">assets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a84 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a84 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x796 y2a84 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x797 y2a84 w41d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x798 y2a84 w2ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a85 w3f6 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x799 y2a86 w41e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79a y2a86 w41f h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79b y2a86 w420 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">9.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79c y2a86 w421 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls6c wsf9\">8.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79d y2a86 w422 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a87 w413 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t new len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed asse<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79e y2a87 w3c9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">2<span class=\"_ _6\"></span>1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73b y2a87 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73c y2a87 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79f y2a87 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a0 y2a87 w423 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls71 ws7e\">22.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a88 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a88 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f4 y2a88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x757 y2a88 w3fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x758 y2a88 we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f1 w3fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a1 y29f1 w424 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a2 y29f1 w425 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">3.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x28f y29f1 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a3 y29f1 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a4 y29f1 w377 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a89 w426 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t loa<span class=\"_ _6\"></span>ns tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d bet<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a5 y2a89 w164 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a6 y2a89 w427 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">6.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a7 y2a89 w265 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">8<span class=\"_ _6\"></span>.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2a89 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a8 y2a89 w428 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>4.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a8a w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a9 y2a8a w429 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7aa y2a8a w42a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(1<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ab y2a8a w42b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ac y2a8a w42c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ad y2a8a w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>2<span class=\"_ _5\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a8b w41b hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>on d<span class=\"_ _6\"></span>erec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">wr<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ten of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a8c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a8c w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ae y2a8c w42d h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7af y2a8c w42e h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls81 wsad\">(3.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b0 y2a8c w42f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a8d w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x762 y2a8d w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b1 y2a8d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a8d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x764 y2a8d w403 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4.6<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x765 y2a8d w404 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a8e ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>iven </td><td class=\"c n x791 y2a8f w430 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">3.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b2 y2a8f w431 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(5.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b3 y2a8f w21e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">2.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b4 y2a8f w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b5 y2a8f w432 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">1.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a90 ff56 fs3 fc2 sc0 ls3d ws47\">default assumptions<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x688 y2810 w433 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">8<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b6 y2810 w434 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls81 wsad\">4.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b7 y2810 w435 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">20.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b8 y2810 w436 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2a ws39\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b9 y2810 w437 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table>The to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of un<span class=\"_ _6\"></span>disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ted EC<span class=\"_ _6\"></span>Ls at i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n on f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts in<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r whi<span class=\"_ _6\"></span>ch are ca<span class=\"_ _6\"></span>teg<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as PO<span class=\"_ _6\"></span>CI as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s was \u00a3<span class=\"_ _6\"></span>nil (2024: \u00a3nil).<span class=\"_ _2f2\"> </span><table class=\"s w438 hcf\" id=\"_8484a22d-9903-4659-8628-7f12193d76b4\"><tr><td></td><td></td><td></td><td class=\"t m1 x7ba h28 y2a91 ff56 fs19 fc2 sc0 lsc9 wsed\">Gross<span class=\"_ _0\"></span> lines<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x7bb h28 y2a92 ff56 fs19 fc2 sc0 ls12 ws16\">of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1af h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>sis f<span class=\"_ _6\"></span>or<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bc h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bd h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">Prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on fo<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7be h28 y2a94 ff56 fs19 fc2 sc0 ls141 ws174\">Expected<span class=\"_ _0\"></span> credit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bf h28 y2a94 ff56 fs19 fc2 sc0 lsc9 wsed\">recognition of<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bb h28 y2a94 ff56 fs19 fc2 sc0 ls12 ws16\">at a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c0 h28 y2a94 ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c1 h28 y2a94 ff56 fs19 fc2 sc0 lsca wsee\">Net carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x7c2 h28 y2a95 ff56 fs19 fc2 sc0 lsd2 wsf6\">los<span class=\"_ _6\"></span>s cover<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a95 ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>redit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6db h28 y2a95 ff56 fs19 fc2 sc0 ls136 ws165\">cost<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1b1 h28 y2a95 ff56 fs19 fc2 sc0 ls12 ws16\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c3 h28 y2a95 ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x7c4 h28 y2a96 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a96 ff56 fs19 fc2 sc0 lsc9 wsed\">loss impairment<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c5 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c6 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c7 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 hd y2a97 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _a6\"> </span><span class=\"ff56\"> <span class=\"_ _173\"> </span> <span class=\"_ _87\"> </span> <span class=\"_ _11f\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a00 w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7c8 y2a00 w41e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7c9 y2a00 w43a h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">12<span class=\"_ _0\"></span>-m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>h ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ca y2a00 w43b h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">9<span class=\"_ _5\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cb y2a00 w43c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(2.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cc y2a00 w43d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">9<span class=\"_ _6\"></span>6.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a01 w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cd y2a01 w43f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">43.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ce y2a01 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cf y2a01 w118 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d0 y2a01 w441 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d1 y2a01 wd9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2805 w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d2 y2805 w18b h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d3 y2805 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d4 y2805 w3f8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d5 y2805 w443 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d6 y2805 w1e8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a02 w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d7 y2a02 w445 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">98.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d8 y2a02 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime E<span class=\"_ _6\"></span>CL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d9 y2a02 w103 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">8<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7da y2a02 w2eb h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(8<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7db y2a02 we8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7dc y2a98 w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7dd y2a98 w3f9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">121.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7de y2a98 w446 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(22.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x640 y2a98 w447 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">99.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m1 x1b9 hd y2a99 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _18f\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _173\"> </span> <span class=\"_ _9a\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _9a\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y295e w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7df y295e w448 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e0 y295e w449 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd4 wsf8\">12-month<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e1 y295e w44a h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>4.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x636 y295e w44b h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e2 y295e w44c h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>56.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285e w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e3 y285e w44d h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">2<span class=\"_ _6\"></span>1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e4 y285e w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e5 y285e w44f h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">22.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e6 y285e w450 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.8<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e7 y285e w335 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e8 y287f w451 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">9<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e9 y287f w452 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ea y287f w40f h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">20.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7eb y287f w453 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(<span class=\"_ _6\"></span>20.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ec y287f w3c1 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ed y280d w454 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">83.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e4 y280d w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ee y280d wb0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ef y280d w455 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2a ws39\">(1<span class=\"_ _6\"></span>.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f0 y280d w2a0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f1 y280f w456 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls167 ws19e\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f2 y280f w351 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _5\"></span>0<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f3 y280f w293 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>3<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f4 y280f w457 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">175.0<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w458 hd0\" id=\"_2e9a3642-c0dc-4c6f-9c7f-946c75854bcf\"><tr><td></td><td></td><td class=\"t m1 x6c9 h28 y2a9a ff55 fs19 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>sis f<span class=\"_ _6\"></span>or<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m1 x5b2 h28 y2a9a ff55 fs19 fc2 sc0 ls12 ws16\">Prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on fo<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x37e h28 y2a9b ff56 fs19 fc2 sc0 ls141 ws174\">Expected<span class=\"_ _0\"></span> credit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bf h28 y2a9b ff56 fs19 fc2 sc0 lsc9 wsed\">recognition of<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7ba h28 y2a9b ff56 fs19 fc2 sc0 lsc9 wsed\">Gross<span class=\"_ _0\"></span> lines<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x548 h28 y2a9b ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c1 h28 y2a9b ff56 fs19 fc2 sc0 lsca wsee\">Net carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x6d6 h28 y2a9c ff56 fs19 fc2 sc0 lsd2 wsf6\">los<span class=\"_ _6\"></span>s cover<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a9c ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>redit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f5 h28 y2a9c ff56 fs19 fc2 sc0 ls12 ws16\">of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x372 h28 y2a9c ff56 fs19 fc2 sc0 ls12 ws16\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f6 h28 y2a9c ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 h28 y2a9d ff55 fs19 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>f whi<span class=\"_ _6\"></span>ch i<span class=\"_ _6\"></span>s dra<span class=\"_ _6\"></span>wn Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f7 h28 y2a9d ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f8 h28 y2a9d ff56 fs19 fc2 sc0 lsc9 wsed\">loss impairment<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1ad h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1ae h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1bd h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 hd y2a9e ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _139\"> </span><span class=\"ff56\"> <span class=\"_ _54\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _69\"> </span> <span class=\"_ _87\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a00 w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f9 y2a00 w41e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fa y2a00 w459 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">12-mo<span class=\"_ _6\"></span>nth E<span class=\"_ _6\"></span>CL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fb y2a00 w45a h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fc y2a00 w45b h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(2.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x24a y2a00 w45c h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">9<span class=\"_ _6\"></span>4.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a01 w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fd y2a01 w45d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">43.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fe y2a01 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ff y2a01 w118 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x800 y2a01 w441 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x801 y2a01 wd9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2805 w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x802 y2805 w10a h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">89.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x803 y2805 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">L<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x804 y2805 wa8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x805 y2805 w22c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">(8.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x806 y2805 w32d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a9f w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x807 y2a9f w106 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x808 y2a9f w45e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Life<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56c y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x809 y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80a y2a98 w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80b y2a98 w45f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>10.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80c y2a98 w460 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(12<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80d y2a98 w461 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m1 x1b9 hd y2aa0 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _138\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _7d\"> </span> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y295e w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80e y295e w462 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80f y295e w463 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd4 wsf8\">12<span class=\"_ _0\"></span>-month<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x542 y295e w2c0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x810 y295e w464 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2a ws39\">(8.0<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x811 y295e w1f9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>54<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285e w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x812 y285e w465 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">21.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x813 y285e w466 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x814 y285e w467 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">22<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x815 y285e w404 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x816 y285e w468 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x817 y287f w451 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">9<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x818 y287f w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Life<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x819 y287f w469 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">19.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81a y287f w46a h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(1<span class=\"_ _6\"></span>9.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81b y287f w2a0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81c y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81d y28e0 w46b h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">L<span class=\"_ _6\"></span>ifet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x325 y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81e y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81f y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x820 y280f w139 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls167 ws19e\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x821 y280f w46c h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>0<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x35f y280f w46d h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(32<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x822 y280f wbb h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172.9<span class=\"_ _2f2\"> </span></div></td></tr></table>The R<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>nd Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>ce fu<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p mon<span class=\"_ _6\"></span>ito<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>man<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late t<span class=\"_ _6\"></span>he EC<span class=\"_ _6\"></span>L es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ired fo<span class=\"_ _6\"></span>r fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g pur<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>ses. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e teams re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t to t<span class=\"_ _6\"></span>he Ch<span class=\"_ _6\"></span>ief Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial O<span class=\"_ _6\"></span>f<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>er (\u201cC<span class=\"_ _6\"></span>FO\u201d<span class=\"_ _6\"></span>) and C<span class=\"_ _6\"></span>hie<span class=\"_ _6\"></span>f Ris<span class=\"_ _6\"></span>k O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>icer (\u201c<span class=\"_ _6\"></span>CR<span class=\"_ _6\"></span>O\u201d). Dis<span class=\"_ _6\"></span>cus<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns of es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes, p<span class=\"_ _6\"></span>roces<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re hel<span class=\"_ _6\"></span>d regu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>rly at B<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce S<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et an<span class=\"_ _6\"></span>d Valu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on C<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tee me<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>gs al<span class=\"_ _6\"></span>ong w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h re<span class=\"_ _6\"></span>gul<span class=\"_ _6\"></span>ar up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>tes prov<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he Aud<span class=\"_ _6\"></span>it C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>e.<span class=\"_ _2f2\"> </span>The a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce for ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>res es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to ass<span class=\"_ _6\"></span>ess i<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l loa<span class=\"_ _6\"></span>ns or w<span class=\"_ _6\"></span>hen a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lyi<span class=\"_ _6\"></span>ng s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s for co<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tive a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ssm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s pa<span class=\"_ _6\"></span>st ex<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>nce of h<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>l de<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>enci<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>, as wel<span class=\"_ _6\"></span>l as for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd-<span class=\"_ _6\"></span>loo<span class=\"_ _6\"></span>ki<span class=\"_ _6\"></span>ng in<span class=\"_ _6\"></span>form<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n the fo<span class=\"_ _6\"></span>rm of ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s govern<span class=\"_ _6\"></span>ed by a Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce Sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t and Valu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>tee<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>ch ob<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ins ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>uch as ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ges in i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ates, G<span class=\"_ _6\"></span>DP<span class=\"_ _b\"></span>, ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ates, u<span class=\"_ _6\"></span>nem<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt and i<span class=\"_ _6\"></span>nfl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red fo<span class=\"_ _6\"></span>r inc<span class=\"_ _6\"></span>orp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>nto sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>os an<span class=\"_ _6\"></span>d prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wei<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>ed. Th<span class=\"_ _6\"></span>ese s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ios are u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed to d<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ive an a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t to th<span class=\"_ _6\"></span>e PD pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>, to refl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he im<span class=\"_ _6\"></span>pac<span class=\"_ _6\"></span>t of fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward<span class=\"_ _6\"></span>-lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on on t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g PD pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ions es<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>she<span class=\"_ _6\"></span>d fro<span class=\"_ _6\"></span>m his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al exp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>ce.<span class=\"_ _2f2\"> </span>Key cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es to ma<span class=\"_ _6\"></span>cr<span class=\"_ _6\"></span>o sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d in 20<span class=\"_ _6\"></span>25 UK-spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>ta is o<span class=\"_ _6\"></span>bt<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ned f<span class=\"_ _6\"></span>rom a t<span class=\"_ _6\"></span>hird p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty e<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ics p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>er. A numb<span class=\"_ _6\"></span>er of d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a po<span class=\"_ _6\"></span>int<span class=\"_ _6\"></span>s were ob<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d by Fundi<span class=\"_ _6\"></span>ng C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e incl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing G<span class=\"_ _6\"></span>DP<span class=\"_ _b\"></span>, rea<span class=\"_ _6\"></span>l es<span class=\"_ _6\"></span>tat<span class=\"_ _6\"></span>e pri<span class=\"_ _6\"></span>ces, r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k<span class=\"_ _0\"></span>-fre<span class=\"_ _6\"></span>e ra<span class=\"_ _6\"></span>tes, an<span class=\"_ _6\"></span>d un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s, amo<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>. The Gro<span class=\"_ _6\"></span>up now u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses U<span class=\"_ _6\"></span>K une<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>loyme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate an<span class=\"_ _6\"></span>d GD<span class=\"_ _6\"></span>P as th<span class=\"_ _6\"></span>e sel<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t var<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s, wi<span class=\"_ _6\"></span>th h<span class=\"_ _6\"></span>isto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>lly o<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ved coe<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>ese va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es prov<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ng im<span class=\"_ _6\"></span>proved p<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tive v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of ins<span class=\"_ _6\"></span>olve<span class=\"_ _6\"></span>ncy u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g tec<span class=\"_ _6\"></span>hni<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red to un<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ploy<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t al<span class=\"_ _6\"></span>one w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h was us<span class=\"_ _6\"></span>ed p<span class=\"_ _6\"></span>reviou<span class=\"_ _6\"></span>sly. The Gro<span class=\"_ _6\"></span>up prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>sly a<span class=\"_ _6\"></span>lso u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed u<span class=\"_ _6\"></span>psi<span class=\"_ _6\"></span>de, do<span class=\"_ _6\"></span>wnsi<span class=\"_ _6\"></span>de a<span class=\"_ _6\"></span>nd ba<span class=\"_ _6\"></span>sel<span class=\"_ _6\"></span>ine proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons f<span class=\"_ _6\"></span>rom th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ics p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>er for ea<span class=\"_ _6\"></span>ch mac<span class=\"_ _6\"></span>ro vari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>t. The G<span class=\"_ _6\"></span>roup u<span class=\"_ _6\"></span>pda<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>ts ap<span class=\"_ _6\"></span>pro<span class=\"_ _6\"></span>ach to us<span class=\"_ _6\"></span>e base<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons of ma<span class=\"_ _6\"></span>cro va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e inp<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>s fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>mic<span class=\"_ _6\"></span>s provi<span class=\"_ _6\"></span>der, and in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly ge<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>rate t<span class=\"_ _6\"></span>wo a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ios u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ing a c<span class=\"_ _6\"></span>yclic<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y in<span class=\"_ _6\"></span>dex (\u201cC<span class=\"_ _6\"></span>I\u201d<span class=\"_ _6\"></span>) ap<span class=\"_ _6\"></span>pro<span class=\"_ _6\"></span>ach wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>s a mea<span class=\"_ _6\"></span>sure of w<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>omy si<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cred<span class=\"_ _6\"></span>it c<span class=\"_ _6\"></span>ycle a<span class=\"_ _6\"></span>t a give<span class=\"_ _6\"></span>n poi<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n tim<span class=\"_ _6\"></span>e. The b<span class=\"_ _6\"></span>ase ca<span class=\"_ _6\"></span>se ma<span class=\"_ _6\"></span>cro var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>ble i<span class=\"_ _6\"></span>np<span class=\"_ _6\"></span>ut fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>s provi<span class=\"_ _6\"></span>der a<span class=\"_ _6\"></span>re use<span class=\"_ _6\"></span>d to de<span class=\"_ _6\"></span>rive a fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast o<span class=\"_ _6\"></span>f CI rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive to CI a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>eet d<span class=\"_ _6\"></span>ate. T<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>wo ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s are de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by se<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>nfi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nce i<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>als o<span class=\"_ _6\"></span>r sever<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s from t<span class=\"_ _6\"></span>he his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al C<span class=\"_ _6\"></span>I dis<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span>Previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly th<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>ree sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>os were we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted 3<span class=\"_ _6\"></span>0% down<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>e, 60% b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e and 1<span class=\"_ _6\"></span>0% ups<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>e. The p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y weig<span class=\"_ _6\"></span>ht<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ted to th<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>ios a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 has b<span class=\"_ _6\"></span>een u<span class=\"_ _6\"></span>pd<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to refl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he CI over t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>. Info<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to the m<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>roec<span class=\"_ _6\"></span>ono<span class=\"_ _6\"></span>mic d<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>vers u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n crea<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ngs a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rib<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ted to t<span class=\"_ _6\"></span>he sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>ios i<span class=\"_ _6\"></span>s ill<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ated b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span><table class=\"s w46e hd1\" id=\"_83a1548c-6463-40e0-bf24-cdf35b8f17fa\"><tr><td class=\"t m0 x250 h28 y2aa1 ff55 fs19 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>cro<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>c dr<span class=\"_ _6\"></span>ive<span class=\"_ _6\"></span>rs (ave<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ge </td><td></td><td class=\"t m0 x823 h28 y2aa1 ff56 fs19 fc2 sc0 ls12 ws16\">2026<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x824 h28 y2aa1 ff55 fs19 fc2 sc0 lsce wsf1\">2027<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x524 h28 y2aa1 ff56 fs19 fc2 sc0 lseb ws110\">2028<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x825 h28 y2aa1 ff56 fs19 fc2 sc0 lsce wsf1\">2029<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x523 h28 y2aa1 ff56 fs19 fc2 sc0 lsce wsf1\">203<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2aa2 w46f h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">for t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>st ye<span class=\"_ _6\"></span>ar)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x826 y2aa2 w470 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L sc<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>io<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x827 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x828 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67a h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x829 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x82a h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28f5 w471 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Unemployment rat<span class=\"_ _0\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82b y28f5 w17b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82c y28f5 w472 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2f ws37\">5.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82d y28f5 w473 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82e y28f5 w327 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82f y28f5 w474 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">4.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x830 y28f5 w36 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w475 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x831 y28b9 w476 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>se c<span class=\"_ _6\"></span>ase<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x832 y28b9 w477 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">3.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x833 y28b9 w13f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x834 y28b9 w478 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x835 y28b9 w479 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y28b9 w47a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">2.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w47b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">GD<span class=\"_ _6\"></span>P Y<span class=\"_ _b\"></span>o<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x836 y280f w47c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Base c<span class=\"_ _6\"></span>ase<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x837 y280f w331 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x838 y280f wb1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x839 y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83a y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83b y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td></tr></table>Un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>s forec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t to pe<span class=\"_ _6\"></span>ak at 5<span class=\"_ _6\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>% du<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e hike in e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyers<span class=\"_ _6\"></span>\u2019 NIC<span class=\"_ _6\"></span>s and t<span class=\"_ _6\"></span>he N<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al Li<span class=\"_ _6\"></span>vin<span class=\"_ _6\"></span>g Wage, b<span class=\"_ _6\"></span>efo<span class=\"_ _6\"></span>re gra<span class=\"_ _6\"></span>dua<span class=\"_ _6\"></span>lly recove<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g towa<span class=\"_ _6\"></span>rds a lo<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>-ru<span class=\"_ _6\"></span>n level o<span class=\"_ _6\"></span>f c.4<span class=\"_ _0\"></span>%.<span class=\"_ _2f2\"> </span>The r<span class=\"_ _6\"></span>isk-f<span class=\"_ _6\"></span>ree ra<span class=\"_ _6\"></span>te is exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>o redu<span class=\"_ _6\"></span>ce as b<span class=\"_ _6\"></span>ase r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>re cut g<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>dua<span class=\"_ _6\"></span>lly.<span class=\"_ _2f2\"> </span>GD<span class=\"_ _6\"></span>P grow<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h in t<span class=\"_ _6\"></span>he ne<span class=\"_ _6\"></span>ar te<span class=\"_ _6\"></span>rm in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes fi<span class=\"_ _6\"></span>sc<span class=\"_ _6\"></span>al lo<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g ann<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he 2025 UK g<span class=\"_ _6\"></span>overn<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t bud<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>t and t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ron<span class=\"_ _6\"></span>t loa<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng of so<span class=\"_ _6\"></span>me c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al sp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g, be<span class=\"_ _6\"></span>fore rever<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g to a lon<span class=\"_ _6\"></span>g-<span class=\"_ _6\"></span>run ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e of c.1.5%.<span class=\"_ _2f2\"> </span><table class=\"s w47d hd2\" id=\"_69659740-7e71-4850-a7d4-84d28403b8e6\"><tr><td></td><td class=\"t m0 x41a h28 y2aa4 ff53 fs19 fc3 sc0 lsdb ws103\">Probability w<span class=\"_ _0\"></span>eighting<span class=\"_ _0\"></span> applied at<span class=\"_ _0\"></span> <span class=\"ls12 ws16\"> </span></td><td class=\"t m0 x51e h28 y2aa4 ff55 fs19 fc2 sc0 lsc9 wsed\">Probability weighting applied<span class=\"_ _0\"></span> at <span class=\"ff56 ls12 ws16\"> </span></td></tr><tr><td></td><td class=\"t m0 x83c h28 y2aa5 ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025  </td><td class=\"t m0 x683 h28 y2aa5 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>024 <span class=\"ff56\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2aa6 ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>o<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x473 h28 y2aa6 ff53 fs19 fc3 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x82a h28 y2aa6 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28b8 w17b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>se<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83d y28b8 w47e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2a ws39\">70<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83e y28b8 w47f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd9 ws65\">60<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w181 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd4 wsf8\">Upside<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83f y28b9 wd3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">15<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x840 y28b9 w132 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">10<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w188 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">Downside<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x841 y280f w480 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">15<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x291 y280f w481 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd9 ws65\">30<span class=\"_ _2f2\"> </span></div></td></tr></table>A se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to th<span class=\"_ _6\"></span>ese as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s on t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>ed ECL i<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n note 2.<span class=\"_ _2f2\"> </span>Cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk q<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of li<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>s of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ive m<span class=\"_ _6\"></span>ovemen<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re sin<span class=\"_ _6\"></span>ce or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on in i<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>ave met t<span class=\"_ _6\"></span>he SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on.<span class=\"_ _2f2\"> </span>The fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>ble i<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes t<span class=\"_ _6\"></span>he cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k qu<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et of EC<span class=\"_ _6\"></span>L by pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re bra<span class=\"_ _6\"></span>cket for e<span class=\"_ _6\"></span>ach st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e as at t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et da<span class=\"_ _6\"></span>te. <table class=\"s w482 hd3\" id=\"_e0971fda-8b0f-4021-adbb-4171dd7ce164\"><tr><td></td><td></td><td class=\"t m0 x685 h28 y2aa7 ff53 fs19 fc3 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ry<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x842 h28 y2aa8 ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x843 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x685 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x844 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24e h28 y2aa9 ff53 fs19 fc3 sc0 lsc8 wsec\">POCI<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x523 h28 y2aa9 ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2aaa ff55 fs19 fc2 sc0 lsca wsee\">Risk banding<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x524 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2902 w483 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Higher risk<span class=\"_ _0\"></span> banding<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x845 y2902 w484 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">4<span class=\"_ _6\"></span>8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x846 y2902 wab h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">1<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x847 y2902 w3c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x848 y2902 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x849 y2902 w2bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">66.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w485 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Me<span class=\"_ _6\"></span>diu<span class=\"_ _6\"></span>m ris<span class=\"_ _6\"></span>k ba<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84a y2860 w486 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">51<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84b y2860 w487 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84c y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84d y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84e y2860 w488 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls24 ws2c\">51.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w489 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lower r<span class=\"_ _6\"></span>isk b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ing<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84f y2861 w208 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">54.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x850 y2861 w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x851 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x852 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x853 y2861 w48a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">5<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w268 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsec ws111\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x854 y2810 w48b h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>54<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x855 y2810 w468 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x856 y2810 w2a0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x857 y2810 w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x858 y2810 w25e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>72.9<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w48c hd4\" id=\"_39cebbb3-6a2e-4317-a3e1-2ea108f3a658\"><tr><td></td><td></td><td class=\"t m1 x859 h28 y2aab ff55 fs19 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ne<span class=\"_ _6\"></span>t ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1b9 h28 y2aac ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>024<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x2ac h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1af h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f5 h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a1 h28 y2aad ff55 fs19 fc2 sc0 lsc8 wsec\">POCI<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85a h28 y2aad ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 h28 y2aae ff55 fs19 fc2 sc0 lsca wsee\">Risk banding<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85b h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6da h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6db h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85c h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x407 h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y285e w483 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Higher risk<span class=\"_ _0\"></span> banding<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85d y285e w48d h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85e y285e w48e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85f y285e w161 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x860 y285e w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x861 y285e w48f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">39.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w485 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Me<span class=\"_ _6\"></span>diu<span class=\"_ _6\"></span>m ris<span class=\"_ _6\"></span>k ba<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x862 y287f w490 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">2<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x863 y287f w491 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x864 y287f w2ab h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x865 y287f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x866 y287f w492 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls77 ws7c\">28.<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w489 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lower r<span class=\"_ _6\"></span>isk b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ing<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x867 y280d w31f h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">29.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x868 y280d w1a1 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x869 y280d w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86a y280d w22 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86b y280d w493 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">29.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86c y280f w494 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">94.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86d y280f w495 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86e y280f w1e8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86f y280f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x870 y280f w34c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr></table>Credit risk associated with other financia<span class=\"_ _6\"></span>l assets<span class=\"_ _2f2\"> </span>SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s rela<span class=\"_ _6\"></span>te to th<span class=\"_ _6\"></span>e un<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>lyi<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>l of SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>gac<span class=\"_ _6\"></span>y ware<span class=\"_ _6\"></span>hou<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd SPVs t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>ave sin<span class=\"_ _6\"></span>ce be<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>urcha<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>r nova<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>nto ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es, bu<span class=\"_ _6\"></span>t rem<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n hel<span class=\"_ _6\"></span>d at F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss mo<span class=\"_ _6\"></span>del o<span class=\"_ _6\"></span>f ho<span class=\"_ _6\"></span>ldi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he lo<span class=\"_ _6\"></span>ans fo<span class=\"_ _6\"></span>r sa<span class=\"_ _6\"></span>le. Ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>lly, loa<span class=\"_ _6\"></span>ns or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion of s<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g onwa<span class=\"_ _6\"></span>rds are i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>his c<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>go<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e rece<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he invoi<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>d amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of s<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g fees d<span class=\"_ _6\"></span>ue f<span class=\"_ _6\"></span>rom in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l invest<span class=\"_ _6\"></span>ors. T<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial los<span class=\"_ _6\"></span>s is de<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ed m<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>mal b<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e cou<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies are we<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>-es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>On<span class=\"_ _6\"></span>goi<span class=\"_ _6\"></span>ng cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t eva<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on is p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ed on t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d, whe<span class=\"_ _6\"></span>re ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate, a prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on for exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s is rec<span class=\"_ _6\"></span>orde<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>div<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al r<span class=\"_ _6\"></span>isk l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r ban<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns are se<span class=\"_ _6\"></span>t by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p wi<span class=\"_ _6\"></span>th refe<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>ce to ex<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g age<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>es. T<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s T<span class=\"_ _0\"></span>reasur<span class=\"_ _6\"></span>y Po<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>cy has s<span class=\"_ _6\"></span>et l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd qu<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup mu<span class=\"_ _6\"></span>st re<span class=\"_ _6\"></span>mai<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in. N<span class=\"_ _6\"></span>o cred<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r cou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts we<span class=\"_ _6\"></span>re excee<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year. The Gro<span class=\"_ _6\"></span>up\u2019s c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s sp<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t by S&amp;<span class=\"_ _6\"></span>P cou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rpa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng we<span class=\"_ _6\"></span>re A<span class=\"_ _6\"></span>/A- rate<span class=\"_ _6\"></span>d: \u00a367<span class=\"_ _b\"></span>.7 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a351.4 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on), A<span class=\"_ _0\"></span>+ or b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r ra<span class=\"_ _6\"></span>ted: \u00a3<span class=\"_ _6\"></span>84.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a313<span class=\"_ _6\"></span>6.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on), and be<span class=\"_ _6\"></span>low A- r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d: \u00a3ni<span class=\"_ _6\"></span>l (202<span class=\"_ _0\"></span>4: \u00a3ni<span class=\"_ _6\"></span>l)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Liquidity risk Liq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ris<span class=\"_ _6\"></span>k is th<span class=\"_ _6\"></span>e ri<span class=\"_ _6\"></span>sk th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>ill n<span class=\"_ _6\"></span>ot b<span class=\"_ _6\"></span>e abl<span class=\"_ _6\"></span>e to me<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>ts f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns as t<span class=\"_ _6\"></span>hey fa<span class=\"_ _6\"></span>ll d<span class=\"_ _6\"></span>ue. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s ap<span class=\"_ _6\"></span>proa<span class=\"_ _6\"></span>ch to ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>ing l<span class=\"_ _6\"></span>iqu<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>s to ensu<span class=\"_ _6\"></span>re, as fa<span class=\"_ _6\"></span>r as po<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t wil<span class=\"_ _6\"></span>l alw<span class=\"_ _6\"></span>ays have su<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>icie<span class=\"_ _6\"></span>nt f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial res<span class=\"_ _6\"></span>ourc<span class=\"_ _6\"></span>es to me<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>ts l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies w<span class=\"_ _6\"></span>hen du<span class=\"_ _6\"></span>e, und<span class=\"_ _6\"></span>er bo<span class=\"_ _6\"></span>th n<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>mal an<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ress<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns, wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g una<span class=\"_ _6\"></span>cce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e los<span class=\"_ _6\"></span>ses o<span class=\"_ _6\"></span>r ris<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>g dam<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e to the G<span class=\"_ _6\"></span>roup\u2019s p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s liq<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n is mo<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tore<span class=\"_ _6\"></span>d and revi<span class=\"_ _6\"></span>ewed o<span class=\"_ _6\"></span>n an o<span class=\"_ _6\"></span>ngo<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g bas<span class=\"_ _6\"></span>is by th<span class=\"_ _6\"></span>e Dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ors. The a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es are t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al u<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows. T<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts of b<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>k bo<span class=\"_ _6\"></span>rrowi<span class=\"_ _6\"></span>ngs a<span class=\"_ _6\"></span>re me<span class=\"_ _6\"></span>t from c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s gen<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ated by i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The m<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ysis of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 and 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024 is as fol<span class=\"_ _6\"></span>lows: <table class=\"s w496 hd5\" id=\"_fa6cf4d5-c49b-4a1c-8059-aff9423b4b76\"><tr><td></td><td></td><td class=\"t m0 x871 h28 y2aaf ff53 fs19 fc3 sc0 lsc2 wsdb\">Bet<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x6cd h28 y2aaf ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x872 h28 y2ab0 ff53 fs19 fc3 sc0 lsc8 wsec\">Less<span class=\"_ _0\"></span> than<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x873 h28 y2ab0 ff53 fs19 fc3 sc0 lsca wsee\">3 months<span class=\"_ _0\"></span> and<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x874 h28 y2ab0 ff53 fs19 fc3 sc0 ls12 ws16\">Be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2ab0 ff53 fs19 fc3 sc0 ls12 ws16\">Ove<span class=\"_ _6\"></span>r </td><td class=\"t m0 x875 h28 y2ab0 ff53 fs19 fc3 sc0 lsdb ws103\">undiscount<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7c0 h28 y2ab0 ff53 fs19 fc3 sc0 lscb wsef\">Impact of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x876 h28 y2ab0 ff53 fs19 fc3 sc0 lsca wsee\">Carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x877 h28 y2ab1 ff53 fs19 fc3 sc0 lsca wsee\">3 months<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x878 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">1 yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x879 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d 5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x642 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1aa h28 y2ab1 ff53 fs19 fc3 sc0 lsc8 wsec\">cash flo<span class=\"_ _0\"></span>ws<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x373 h28 y2ab1 ff60 fs19 fc3 sc0 lsdb ws103\">discounting<span class=\"_ _0\"></span>\u200a</td><td class=\"t m0 x4ac h28 y2ab1 ff53 fs19 fc3 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h83 y2ab2 ff54 fs19 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87a h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6ce h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87b h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87c h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ab h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87d h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2ab3 ff54 fs3 fc2 sc0 ls9c ws36\">Financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _57\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _28e\"> </span> <span class=\"_ _101\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x87e y285e w497 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x87f y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x880 y285e w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x881 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x882 y285e w215 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x883 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x884 y285e w35 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>6.7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x885 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x886 y287f w498 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x887 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x888 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x889 y287f w499 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88a y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88b y287f w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88c y28e0 w49a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88d y28e0 w49b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88e y28e0 w49c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(5.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88f y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x890 y28e0 wdb h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x891 y28e0 w49d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x892 y28e0 w398 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x893 y280f w64 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x894 y280f w49e h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(268.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x895 y280f w49c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(5<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x896 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x897 y280f w49f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls25 ws7d\">(281.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x898 y280f w49d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x899 y280f w39d h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(28<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w4a0 hd5\" id=\"_adc87d44-7c72-4faf-bf67-f5bdfefa450b\"><tr><td></td><td></td><td class=\"t m0 x89a h28 y2ab4 ff55 fs19 fc2 sc0 lsca wsee\">Between<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x1ad h28 y2ab4 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x877 h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Les<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>an<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x376 h28 y2ab5 ff56 fs19 fc2 sc0 ls12 ws16\">3 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs an<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89b h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2ab5 ff56 fs19 fc2 sc0 lsca wsee\">Over<span class=\"_ _0\"></span> </td><td class=\"t m0 x89c h28 y2ab5 ff56 fs19 fc2 sc0 lsc9 wsed\">undiscounted<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89d h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>f<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37d h28 y2ab5 ff56 fs19 fc2 sc0 lsfc ws124\">Carr<span class=\"_ _6\"></span>ying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x89e h28 y2ab6 ff56 fs19 fc2 sc0 ls12 ws16\">3 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89f h28 y2ab6 ff56 fs19 fc2 sc0 ls12 ws16\">1 yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2ac h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d 5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a0 h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a1 h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">ca<span class=\"_ _6\"></span>sh f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a5 h28 y2ab6 ff56 fs19 fc2 sc0 lsc9 wsed\">discounting<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7f6 h28 y2ab6 ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2ab7 ff55 fs19 fc2 sc0 ls12 ws16\">At 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2024<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87a h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6ce h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87b h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a2 h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ab h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87d h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2ab8 ff54 fs3 fc2 sc0 ls9c ws36\">Financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _28f\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _101\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _101\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a3 y285e w4a1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8<span class=\"_ _6\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a4 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a5 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a6 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a7 y285e w4a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a8 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a9 y285e w393 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8<span class=\"_ _6\"></span>.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x885 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8aa y287f w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ab y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ac y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ad y287f w396 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ae y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8af y287f w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b0 y280d w4a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b1 y280d w441 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b2 y280d w4a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b3 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b4 y280d w4a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b5 y280d w4a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b6 y280d w39b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x893 y280f w22c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">(8.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b7 y280f w4a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(103.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b8 y280f w4a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b9 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ba y280f w4a9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(11<span class=\"_ _6\"></span>9.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b5 y280f w4a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8bb y280f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>8<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr></table>Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pri<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he dr<span class=\"_ _6\"></span>awn ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>n a comm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ted le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y in th<span class=\"_ _6\"></span>e Flex<span class=\"_ _6\"></span>iPay a<span class=\"_ _6\"></span>nd sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e of \u00a3267<span class=\"_ _b\"></span>.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a310<span class=\"_ _6\"></span>1.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) at a f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing r<span class=\"_ _6\"></span>ate of i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A pl<span class=\"_ _6\"></span>us a ma<span class=\"_ _6\"></span>rgin<span class=\"_ _6\"></span>. Market ri<span class=\"_ _0\"></span>sk<span class=\"_ _2f2\"> </span>Ma<span class=\"_ _6\"></span>rket r<span class=\"_ _6\"></span>isk is t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue of f<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ture c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f a fin<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt wi<span class=\"_ _6\"></span>ll f<span class=\"_ _6\"></span>luc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ate b<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>e of cha<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>s in ma<span class=\"_ _6\"></span>rket pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s. The G<span class=\"_ _6\"></span>roup\u2019s m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket ris<span class=\"_ _6\"></span>k ari<span class=\"_ _6\"></span>ses f<span class=\"_ _6\"></span>rom op<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons i<span class=\"_ _6\"></span>n inte<span class=\"_ _6\"></span>rest-<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>, to the ex<span class=\"_ _5\"></span>tent t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e are exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic ma<span class=\"_ _6\"></span>rket m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>. a)<span class=\"_ _0\"></span> Other price risk<span class=\"_ _2f2\"> </span>The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of t<span class=\"_ _6\"></span>he SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>n fl<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ate de<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>n mar<span class=\"_ _6\"></span>ket pr<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ng of rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>. Thi<span class=\"_ _6\"></span>s is ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ate us<span class=\"_ _6\"></span>ed to d<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>ve a valu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n for th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s. A sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to th<span class=\"_ _6\"></span>e disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes us<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>red at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch are ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ed to g<span class=\"_ _6\"></span>reate<span class=\"_ _6\"></span>r es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n unc<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y is d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>lose<span class=\"_ _6\"></span>d in n<span class=\"_ _6\"></span>ote 2.<span class=\"_ _2f2\"> </span>b) In<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ate r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t rate r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s thro<span class=\"_ _6\"></span>ug<span class=\"_ _6\"></span>h draw<span class=\"_ _6\"></span>n com<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ng fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>nd on f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t in SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans. Non-trading interest<span class=\"_ _0\"></span> rate ri<span class=\"_ _0\"></span>sk<span class=\"_ _2f2\"> </span>The Gro<span class=\"_ _6\"></span>up\u2019s inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t risk on fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nts is lim<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ed to intere<span class=\"_ _6\"></span>st rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>ble on lo<span class=\"_ _6\"></span>an no<span class=\"_ _6\"></span>te invest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts, ca<span class=\"_ _6\"></span>sh and ca<span class=\"_ _6\"></span>sh equ<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>len<span class=\"_ _6\"></span>t ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces an<span class=\"_ _6\"></span>d interes<span class=\"_ _6\"></span>t on bon<span class=\"_ _6\"></span>ds and ba<span class=\"_ _6\"></span>nk bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>. The matu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies of fin<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to intere<span class=\"_ _6\"></span>st rat<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>ri<span class=\"_ _6\"></span>sk are as <span class=\"_ _0\"></span>fol<span class=\"_ _6\"></span>lows:<span class=\"_ _2f2\"> </span><table class=\"s w9d hd6\" id=\"_8b437764-2779-4b77-b942-351d8cebc9fe\"><tr><td></td><td class=\"c n x8bc y2ab9 w4aa h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Les<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>an 3 m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x8bd y2ab9 w4ab h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 3 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs an<span class=\"_ _6\"></span>d 1 yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x8be y2ab9 w4ac h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">B<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en 1 a<span class=\"_ _6\"></span>nd 5 ye<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8bf h28 y2aba ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x41a h28 y2aba ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8c0 h28 y2aba ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x418 h28 y2aba ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x419 h28 y2aba ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2aba ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2abb ff55 fs19 fc2 sc0 ls12 ws16\">At 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8c1 h28 y2abb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67c h28 y2abb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x774 h28 y2abb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67a h28 y2abb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8c2 h28 y2abb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2abb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y2abc ff54 fs3 fc2 sc0 ls5d ws84\">Fi<span class=\"_ _6\"></span>xed r<span class=\"_ _6\"></span>ate<span class=\"_ _291\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _98\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _ef\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2970 w4ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns at a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c3 y2970 we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c4 y2970 w4ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c5 y2970 w203 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c6 y2970 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c7 y2970 w4af h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c8 y2970 w33b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2abd w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c9 y2abd w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ca y2abd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cb y2abd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cc y2abd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cd y2abd w381 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ce y2abd wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2972 wb9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cf y2972 w4b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">52.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d0 y2972 w4b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">42.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d1 y2972 w4b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">96.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d2 y2972 w347 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">4<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d3 y2972 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d4 y2972 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y295d w4b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd lo<span class=\"_ _6\"></span>ss</div><div class=\"t m0 x8d5 h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d6 y295d w265 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">3.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d7 y295d wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d8 y295d w4b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">75.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d9 y295d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8da y295d w4b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls51 wsa7\">42.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8db y295d w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2abe ff54 fs3 fc2 sc0 lsd4 wsf8\">Floating rat<span class=\"_ _0\"></span>e<span class=\"_ _293\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _98\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _ef\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1be y285e w4b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t</div><div class=\"t m0 x8dc h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8dd y285e w4b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">24<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8de y285e w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8df y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e0 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e1 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e2 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e3 y287f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">152<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e4 y287f w4b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e5 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e6 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e7 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e8 y287f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y28e0 w4b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s</div><div class=\"t m0 x8e9 h3c y27b1 ff56 fs21 fc2 sc0 ls12 ws16\">2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ea y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8eb y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ec y28e0 w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ed y28e0 w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ee y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ef y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x8f0 y280f w4b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>2<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f1 y280f w44c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls77 ws7c\">238<span class=\"_ _6\"></span>.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f2 y280f w4ba h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(9<span class=\"_ _6\"></span>5.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f3 y280f w4bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(5<span class=\"_ _6\"></span>4.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f4 y280f w4bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">5<span class=\"_ _6\"></span>6.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ae y280f w4bd h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>T<span class=\"_ _6\"></span>he<span class=\"_ gs546\"> </span>S<span class=\"_ _6\"></span>ME<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>at<span class=\"_ gs546\"> </span>f<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>val<span class=\"_ _6\"></span>ue<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>hr<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>gh<span class=\"_ gs546\"> </span>p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>and<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>ar<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>as<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>nt<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce<span class=\"_ gs546\"> </span>s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>,<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>fl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>is<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>se<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>l.<span class=\"_ gs546\"> </span>Th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ab<span class=\"_ _6\"></span>ove<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span>represents the contractual maturities.<span class=\"_ _2f2\"> </span>2.<span class=\"_ gs546\"> </span><span class=\"_ _4\"> </span>Flo<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g<span class=\"_ gs546\"> </span>ra<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>nt<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>he<span class=\"_ gs546\"> </span>C<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>hb<span class=\"_ _6\"></span>ack<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>wh<span class=\"_ _6\"></span>ich<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>rg<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>a<span class=\"_ gs546\"> </span>va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>nn<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>pe<span class=\"_ _6\"></span>rce<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ra<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>in<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The<span class=\"_ _6\"></span>re are no f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>r lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th a m<span class=\"_ _6\"></span>atu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of over f<span class=\"_ _6\"></span>ive yea<span class=\"_ _6\"></span>rs.<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ris<span class=\"_ _6\"></span>k se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>alys<span class=\"_ _6\"></span>is \u2013 n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>adi<span class=\"_ _6\"></span>ng i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t (f<span class=\"_ _6\"></span>ixe<span class=\"_ _6\"></span>d ra<span class=\"_ _6\"></span>te)<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans w<span class=\"_ _6\"></span>as f<span class=\"_ _6\"></span>ixed u<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>il t<span class=\"_ _6\"></span>he ma<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>nd is n<span class=\"_ _6\"></span>ot i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d by ma<span class=\"_ _6\"></span>rket r<span class=\"_ _6\"></span>ate ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es. Th<span class=\"_ _6\"></span>e level o<span class=\"_ _6\"></span>f fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t rate re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le wo<span class=\"_ _6\"></span>uld b<span class=\"_ _6\"></span>e si<span class=\"_ _6\"></span>mil<span class=\"_ _6\"></span>ar to t<span class=\"_ _6\"></span>hat re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ived i<span class=\"_ _6\"></span>n the ye<span class=\"_ _6\"></span>ar an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of move<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts in i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s on th<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red im<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>al to t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019s over<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>l per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e for th<span class=\"_ _6\"></span>e year.<span class=\"_ _2f2\"> </span>Interest rate<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span> sensitivity analysis \u2013<span class=\"_ _0\"></span> non-trading int<span class=\"_ _0\"></span>erest (floating<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es is su<span class=\"_ _6\"></span>bj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to movem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in b<span class=\"_ _6\"></span>ase ra<span class=\"_ _6\"></span>tes. T<span class=\"_ _6\"></span>he Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s mon<span class=\"_ _6\"></span>ito<span class=\"_ _6\"></span>r in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ris<span class=\"_ _6\"></span>k and no<span class=\"_ _6\"></span>te th<span class=\"_ _6\"></span>at ba<span class=\"_ _6\"></span>se ra<span class=\"_ _6\"></span>tes are a<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to de<span class=\"_ _6\"></span>crea<span class=\"_ _6\"></span>se in t<span class=\"_ _6\"></span>he ne<span class=\"_ _6\"></span>ar te<span class=\"_ _6\"></span>rm. A 1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0 bps d<span class=\"_ _6\"></span>ecre<span class=\"_ _6\"></span>ase i<span class=\"_ _6\"></span>n ann<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed to c<span class=\"_ _6\"></span>ash an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nt ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nces t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ds in i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest-<span class=\"_ _6\"></span>bea<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 woul<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e by \u00a31.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on b<span class=\"_ _6\"></span>ank b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>gs rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t are su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e S<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g Over<span class=\"_ _6\"></span>nig<span class=\"_ _6\"></span>ht I<span class=\"_ _6\"></span>ndex Averag<span class=\"_ _6\"></span>e Ra<span class=\"_ _6\"></span>te (\u201cS<span class=\"_ _6\"></span>ONI<span class=\"_ _6\"></span>A<span class=\"_ _0\"></span>\u201d). The G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly pro<span class=\"_ _6\"></span>tec<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>sel<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh t<span class=\"_ _6\"></span>he us<span class=\"_ _6\"></span>e of an in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ca<span class=\"_ _6\"></span>p wi<span class=\"_ _6\"></span>th a s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ike pr<span class=\"_ _6\"></span>ice o<span class=\"_ _6\"></span>f 6.5% an<span class=\"_ _6\"></span>d a not<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>hat i<span class=\"_ _6\"></span>ncre<span class=\"_ _6\"></span>ases i<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>ne wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed dr<span class=\"_ _6\"></span>awdow<span class=\"_ _6\"></span>ns on t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>or bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f the in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t rat<span class=\"_ _6\"></span>e cap i<span class=\"_ _6\"></span>s not m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>al to t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up.<span class=\"_ _2f2\"> </span>If S<span class=\"_ _6\"></span>ON<span class=\"_ _6\"></span>IA were t<span class=\"_ _6\"></span>o inc<span class=\"_ _6\"></span>rease by 1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0 bps, b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>rawn b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e at 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025, th<span class=\"_ _6\"></span>e ann<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s wou<span class=\"_ _6\"></span>ld i<span class=\"_ _6\"></span>ncrea<span class=\"_ _6\"></span>se by \u00a32.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a31.0 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g any im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ate c<span class=\"_ _6\"></span>ap)<span class=\"_ _0\"></span>. Add<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly<span class=\"_ _0\"></span>, whi<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he fe<span class=\"_ _6\"></span>es cha<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>d on Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t are f<span class=\"_ _6\"></span>ixe<span class=\"_ _6\"></span>d for t<span class=\"_ _6\"></span>he du<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of in<span class=\"_ _6\"></span>div<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al d<span class=\"_ _6\"></span>rawd<span class=\"_ _6\"></span>owns, d<span class=\"_ _6\"></span>ue to t<span class=\"_ _6\"></span>he sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t-<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>m and revo<span class=\"_ _6\"></span>lvin<span class=\"_ _6\"></span>g na<span class=\"_ _6\"></span>ture o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e prod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup c<span class=\"_ _6\"></span>an re<span class=\"_ _6\"></span>pri<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>he fee<span class=\"_ _6\"></span>s cha<span class=\"_ _6\"></span>rged o<span class=\"_ _6\"></span>n dr<span class=\"_ _6\"></span>awdow<span class=\"_ _6\"></span>ns at s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>t not<span class=\"_ _6\"></span>ice i<span class=\"_ _6\"></span>n ord<span class=\"_ _6\"></span>er to ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t rate r<span class=\"_ _6\"></span>isk o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e fl<span class=\"_ _6\"></span>oat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g rate b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>gs. I<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest c<span class=\"_ _6\"></span>harg<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n Cas<span class=\"_ _6\"></span>hb<span class=\"_ _6\"></span>ack c<span class=\"_ _6\"></span>ard b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng is re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>ly up<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>ed to al<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>revail<span class=\"_ _6\"></span>ing m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket rat<span class=\"_ _6\"></span>es of in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d is al<span class=\"_ _6\"></span>so sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t te<span class=\"_ _6\"></span>rm i<span class=\"_ _6\"></span>n nat<span class=\"_ _6\"></span>ure. A<span class=\"_ _6\"></span>s a resu<span class=\"_ _6\"></span>lt t<span class=\"_ _6\"></span>here i<span class=\"_ _6\"></span>s not c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ered to b<span class=\"_ _6\"></span>e signific<span class=\"_ _6\"></span>ant int<span class=\"_ _0\"></span>erest<span class=\"_ _0\"></span> rate risk.<span class=\"_ _2f2\"> </span>So<span class=\"_ _6\"></span>me of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019s i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s are th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh wa<span class=\"_ _6\"></span>reho<span class=\"_ _6\"></span>use veh<span class=\"_ _6\"></span>icl<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up is a m<span class=\"_ _6\"></span>ino<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y inves<span class=\"_ _6\"></span>tor. The sen<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>r bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ng fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>ese ve<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>les re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>ve inte<span class=\"_ _6\"></span>rest o<span class=\"_ _6\"></span>n bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s in pr<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts to t<span class=\"_ _6\"></span>he eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s at SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A pl<span class=\"_ _6\"></span>us a ma<span class=\"_ _6\"></span>rgin<span class=\"_ _6\"></span>. The veh<span class=\"_ _6\"></span>icl<span class=\"_ _6\"></span>es have in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ca<span class=\"_ _6\"></span>ps or i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate sw<span class=\"_ _6\"></span>aps w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res whi<span class=\"_ _6\"></span>ch c<span class=\"_ _6\"></span>an mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>iga<span class=\"_ _6\"></span>te th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure ra<span class=\"_ _6\"></span>te ri<span class=\"_ _6\"></span>ses. The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s and c<span class=\"_ _6\"></span>o-<span class=\"_ _6\"></span>invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s are no l<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ger c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to fur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r inc<span class=\"_ _6\"></span>rease<span class=\"_ _6\"></span>s in SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A or t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d SO<span class=\"_ _6\"></span>NIA r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>s a resul<span class=\"_ _6\"></span>t of h<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>g in p<span class=\"_ _6\"></span>lac<span class=\"_ _6\"></span>e.<span class=\"_ _2f2\"> </span>c<span class=\"_ _0\"></span>) Sensitivity analy<span class=\"_ _0\"></span>sis<span class=\"_ _2f2\"> </span>IFRS 7 re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ires d<span class=\"_ _6\"></span>iscl<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re of se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ana<span class=\"_ _6\"></span>lysi<span class=\"_ _6\"></span>s for ea<span class=\"_ _6\"></span>ch t<span class=\"_ _6\"></span>yp<span class=\"_ _6\"></span>e of ma<span class=\"_ _6\"></span>rket r<span class=\"_ _6\"></span>isk to w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d at t<span class=\"_ _6\"></span>he rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t date sh<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g how p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s and e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wo<span class=\"_ _6\"></span>uld h<span class=\"_ _6\"></span>ave bee<span class=\"_ _6\"></span>n af<span class=\"_ _5\"></span>fecte<span class=\"_ _6\"></span>d by cha<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>evan<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at were re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>ly pos<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at d<span class=\"_ _6\"></span>ate. As d<span class=\"_ _6\"></span>iscu<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d ab<span class=\"_ _6\"></span>ove, the G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>oe<span class=\"_ _6\"></span>s not h<span class=\"_ _6\"></span>ave sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to pr<span class=\"_ _6\"></span>ice o<span class=\"_ _6\"></span>r cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ow ris<span class=\"_ _6\"></span>k an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>refore n<span class=\"_ _6\"></span>o sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ana<span class=\"_ _6\"></span>lysis for t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>ks has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of s<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s on SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in no<span class=\"_ _6\"></span>te 2.<span class=\"_ _2f2\"> </span>d)<span class=\"_ _0\"></span> Foreign<span class=\"_ _0\"></span> e<span class=\"_ _0\"></span>xchan<span class=\"_ _0\"></span>ge risk<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>ed in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly an<span class=\"_ _6\"></span>d is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to fore<span class=\"_ _6\"></span>ign exc<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge r<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>rom va<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>us cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy ex<span class=\"_ _6\"></span>posu<span class=\"_ _6\"></span>res, p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>mar<span class=\"_ _6\"></span>ily wi<span class=\"_ _6\"></span>th re<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>o the U<span class=\"_ _6\"></span>K po<span class=\"_ _6\"></span>und s<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ng an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e euro. S<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>e the s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e US bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess i<span class=\"_ _6\"></span>n 202<span class=\"_ _0\"></span>4 th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to th<span class=\"_ _6\"></span>e US do<span class=\"_ _6\"></span>lla<span class=\"_ _6\"></span>r is im<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>al. Fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n excha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k ari<span class=\"_ _6\"></span>ses f<span class=\"_ _6\"></span>rom fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns, re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s and n<span class=\"_ _6\"></span>et inv<span class=\"_ _0\"></span>estments in f<span class=\"_ _0\"></span>oreign<span class=\"_ _0\"></span> operations.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s po<span class=\"_ _6\"></span>licy i<span class=\"_ _6\"></span>s, wh<span class=\"_ _6\"></span>ere po<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, to all<span class=\"_ _6\"></span>ow Gro<span class=\"_ _6\"></span>up en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies to s<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies d<span class=\"_ _6\"></span>eno<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fu<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>y wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he ca<span class=\"_ _6\"></span>sh ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d fro<span class=\"_ _6\"></span>m the<span class=\"_ _6\"></span>ir ow<span class=\"_ _6\"></span>n ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns in t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Whe<span class=\"_ _6\"></span>re Grou<span class=\"_ _6\"></span>p ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es have li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es de<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ated i<span class=\"_ _6\"></span>n a cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fun<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy (a<span class=\"_ _6\"></span>nd have in<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ent res<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ves o<span class=\"_ _6\"></span>f tha<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy to se<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le th<span class=\"_ _6\"></span>em), cas<span class=\"_ _6\"></span>h alre<span class=\"_ _6\"></span>ady d<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy wil<span class=\"_ _6\"></span>l, wh<span class=\"_ _6\"></span>ere po<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, be t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfe<span class=\"_ _6\"></span>rred f<span class=\"_ _6\"></span>rom e<span class=\"_ _6\"></span>lsew<span class=\"_ _6\"></span>here w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span>Ap<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>t from t<span class=\"_ _6\"></span>hese p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ticu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>r cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ai<span class=\"_ _6\"></span>ms to fu<span class=\"_ _6\"></span>nd ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nses a<span class=\"_ _6\"></span>nd inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts in t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy an<span class=\"_ _6\"></span>d to ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>e forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k at a lo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l level by m<span class=\"_ _6\"></span>atch<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy i<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d and ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nses a<span class=\"_ _6\"></span>re inc<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p had c<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in fore<span class=\"_ _6\"></span>ign o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns, wh<span class=\"_ _6\"></span>ose n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s are ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ed to fore<span class=\"_ _6\"></span>ign c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k. The t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow set<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>res fro<span class=\"_ _6\"></span>m fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies h<span class=\"_ _6\"></span>eld by G<span class=\"_ _6\"></span>roup c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>n cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cies o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an th<span class=\"_ _6\"></span>eir f<span class=\"_ _6\"></span>unc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>ies an<span class=\"_ _6\"></span>d resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>ing i<span class=\"_ _6\"></span>n exchan<span class=\"_ _6\"></span>ge move<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts in t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e st<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>nd ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span><table class=\"s w4be hd7\" id=\"_b1cbaaad-9a1b-4c0e-aa79-098d775e1b3e\"><tr><td></td><td></td><td class=\"c n x8f5 y2abf w3a1 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x8f6 y2abf w4bf h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8f7 h28 y2ac0 ff53 fs19 fc3 sc0 ls146 ws179\">GBP<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d3 h28 y2ac0 ff53 fs19 fc3 sc0 ls136 ws165\">EUR<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4be h28 y2ac0 ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37b h28 y2ac0 ff55 fs19 fc2 sc0 lsdb ws103\">GBP<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2aa h28 y2ac0 ff55 fs19 fc2 sc0 ls82 wsa1\">EUR<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a6 h28 y2ac0 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x89a h28 y2ac1 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x85b h28 y2ac1 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4c2 h28 y2ac1 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y2ac1 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y2ac1 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ac1 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28b8 wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f8 y28b8 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f9 y28b8 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fa y28b8 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fb y28b8 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c9 y28b8 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fc y28b8 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w4c0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Intra-group assets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fd y28b9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fe y28b9 w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ff y28b9 w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x900 y28b9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x901 y28b9 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50c y28b9 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w4c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Intra-group liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x902 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x903 y280f w4c2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x904 y280f w4c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x253 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x905 y280f w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x906 y280f w4c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.5)<span class=\"_ _2f2\"> </span></div></td></tr></table>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to a 10% d<span class=\"_ _6\"></span>epre<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d 10% a<span class=\"_ _6\"></span>ppre<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on i<span class=\"_ _6\"></span>n pou<span class=\"_ _6\"></span>nd s<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>evan<span class=\"_ _6\"></span>t forei<span class=\"_ _6\"></span>gn cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cies<span class=\"_ _6\"></span>. Whi<span class=\"_ _6\"></span>le 5% is t<span class=\"_ _6\"></span>he se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y rat<span class=\"_ _6\"></span>e use<span class=\"_ _6\"></span>d whe<span class=\"_ _6\"></span>n rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g forei<span class=\"_ _6\"></span>gn cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy ri<span class=\"_ _6\"></span>sk in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly to se<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>or ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent p<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>onn<span class=\"_ _6\"></span>el, in l<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t of rec<span class=\"_ _6\"></span>ent f<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>uat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns in fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n excha<span class=\"_ _6\"></span>nge r<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>, 10% rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>\u2019s cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of a reas<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>y pos<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ble c<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge i<span class=\"_ _6\"></span>n forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e rate<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e sens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ysis to t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>nclu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s onl<span class=\"_ _6\"></span>y ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy-d<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d mo<span class=\"_ _6\"></span>net<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>eir t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e year e<span class=\"_ _6\"></span>nd for a 1<span class=\"_ _6\"></span>0% cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e in fore<span class=\"_ _6\"></span>ign c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy r<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>. The s<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ysis i<span class=\"_ _6\"></span>llus<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rate<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he fore<span class=\"_ _6\"></span>ign c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of qu<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>-e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y lo<span class=\"_ _6\"></span>ans t<span class=\"_ _6\"></span>o forei<span class=\"_ _6\"></span>gn op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p and n<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in fore<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>n ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>tiv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y to f<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons in fo<span class=\"_ _6\"></span>rei<span class=\"_ _6\"></span>gn cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cies i<span class=\"_ _6\"></span>s rela<span class=\"_ _6\"></span>ted to t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>uro am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts h<span class=\"_ _6\"></span>eld i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Pare<span class=\"_ _6\"></span>nt C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any<span class=\"_ _0\"></span>. The imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of a 1<span class=\"_ _6\"></span>0% cha<span class=\"_ _6\"></span>nge i<span class=\"_ _6\"></span>n forei<span class=\"_ _6\"></span>gn cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy ra<span class=\"_ _6\"></span>tes is a<span class=\"_ _6\"></span>s foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span><table class=\"s w4c5 hd8\" id=\"_6879fe28-fd96-4c24-bb23-a2e536eb5d74\"><tr><td></td><td></td><td></td><td class=\"c n x907 y2ac2 w4c6 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Appreciation in<span class=\"_ _0\"></span> pound sterling<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x908 y2ac2 w4c7 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Depreciation in<span class=\"_ _0\"></span> pound sterling<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x909 h28 y2ac3 ff53 fs19 fc3 sc0 lscb wsef\">Income<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x90a h28 y2ac3 ff55 fs19 fc2 sc0 lsca wsee\">Income<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x6d8 h28 y2ac3 ff53 fs19 fc3 sc0 lscb wsef\">Income<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x29d h28 y2ac3 ff55 fs19 fc2 sc0 lsca wsee\">Income<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x90b h28 y2ac4 ff53 fs19 fc3 sc0 lscc wsa3\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x90c h28 y2ac4 ff53 fs19 fc3 sc0 ls132 ws161\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37e h28 y2ac4 ff56 fs19 fc2 sc0 lsca wsee\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87b h28 y2ac4 ff55 fs19 fc2 sc0 ls82 wsa1\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x642 h28 y2ac4 ff53 fs19 fc3 sc0 lscc wsa3\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y2ac4 ff53 fs19 fc3 sc0 ls132 ws161\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x90d h28 y2ac4 ff56 fs19 fc2 sc0 lsca wsee\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x90e h28 y2ac4 ff55 fs19 fc2 sc0 ls82 wsa1\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x90f h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x910 h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x911 h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x912 h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b3 h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b4 h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2ac6 ff55 fs19 fc2 sc0 ls12 ws16\">At 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x913 h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x914 h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6dc h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x915 h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x916 h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bb h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bc h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y287f w4c8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">US dollars<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x917 y287f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x918 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x919 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91a y287f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91b y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91c y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91d y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91e y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w4c9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2a ws39\">Eur<span class=\"_ _6\"></span>os<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91f y280d w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x920 y280d w288 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x921 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x922 y280d w4ca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x923 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x924 y280d wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x925 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x33f y280d w61 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x926 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x927 y280f w4cb h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _5\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x928 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x929 y280f w4cc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x92a y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x92b y280f w35b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x92c y280f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a6 y280f w31d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr></table>Capital management<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p cons<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ers i<span class=\"_ _6\"></span>ts c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al to c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>e it<span class=\"_ _6\"></span>s ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>re ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l, sh<span class=\"_ _6\"></span>are pre<span class=\"_ _6\"></span>miu<span class=\"_ _6\"></span>m, forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve, sha<span class=\"_ _6\"></span>re opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve and re<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d ear<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>. Qua<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail is s<span class=\"_ _6\"></span>how<span class=\"_ _6\"></span>n in th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>The D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs\u2019 o<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive wh<span class=\"_ _6\"></span>en m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>g ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l is to s<span class=\"_ _6\"></span>afeg<span class=\"_ _6\"></span>uard t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019<span class=\"_ _6\"></span>s abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue a<span class=\"_ _6\"></span>s a goi<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>rn i<span class=\"_ _6\"></span>n orde<span class=\"_ _6\"></span>r to provi<span class=\"_ _6\"></span>de re<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>ns for t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>lde<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts for o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>keho<span class=\"_ _6\"></span>lde<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d to ma<span class=\"_ _6\"></span>int<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n an op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mal c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re to red<span class=\"_ _6\"></span>uce t<span class=\"_ _6\"></span>he cos<span class=\"_ _6\"></span>t of c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al.<span class=\"_ _2f2\"> </span>The D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs mo<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tor a nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er of K<span class=\"_ _6\"></span>PIs at b<span class=\"_ _6\"></span>ot<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up an<span class=\"_ _6\"></span>d ind<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>al su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y level o<span class=\"_ _6\"></span>n a mo<span class=\"_ _6\"></span>nth<span class=\"_ _6\"></span>ly b<span class=\"_ _6\"></span>asis<span class=\"_ _6\"></span>. As p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he bu<span class=\"_ _6\"></span>dge<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y pro<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>s, ta<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>ts are s<span class=\"_ _6\"></span>et wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t befo<span class=\"_ _6\"></span>re ta<span class=\"_ _6\"></span>x in ord<span class=\"_ _6\"></span>er to e<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>ge t<span class=\"_ _6\"></span>he ac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. Per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>ance i<span class=\"_ _6\"></span>s reviewe<span class=\"_ _6\"></span>d on a re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lar b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>ppro<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>iat<span class=\"_ _6\"></span>e act<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns are t<span class=\"_ _6\"></span>aken a<span class=\"_ _6\"></span>s requ<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>d. The<span class=\"_ _6\"></span>se in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>res in<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>cat<span class=\"_ _6\"></span>e the pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce of t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s aga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t bu<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>/<span class=\"_ _6\"></span>fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>rm wh<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>her t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as ad<span class=\"_ _6\"></span>eq<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>te resou<span class=\"_ _6\"></span>rces to m<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t it<span class=\"_ _6\"></span>s working capital r<span class=\"_ _0\"></span>equirements.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to ex<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ern<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts by t<span class=\"_ _6\"></span>he Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l Co<span class=\"_ _6\"></span>ndu<span class=\"_ _6\"></span>ct Au<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hor<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y bu<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>ese a<span class=\"_ _6\"></span>re lower t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>n in<span class=\"_ _6\"></span>tern<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y se<span class=\"_ _6\"></span>t requ<span class=\"_ _6\"></span>irem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts. D<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p com<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h all ex<span class=\"_ _5\"></span>tern<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-466": {
   "value": "Financial<span class=\"_ _0\"></span> instruments<span class=\"_ _0\"></span> measur<span class=\"_ _0\"></span>ed at<span class=\"_ _0\"></span> fair<span class=\"_ _0\"></span> value IFRS <span class=\"_ _6\"></span>13 req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>s cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ures w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h requ<span class=\"_ _6\"></span>ire t<span class=\"_ _6\"></span>he cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>d at fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue us<span class=\"_ _6\"></span>ing a f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e hie<span class=\"_ _6\"></span>rarc<span class=\"_ _6\"></span>hy tha<span class=\"_ _6\"></span>t ref<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts u<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n ma<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt. Dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sure o<span class=\"_ _6\"></span>f fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts by l<span class=\"_ _6\"></span>evel is a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>g to t<span class=\"_ _6\"></span>he fol<span class=\"_ _6\"></span>lowi<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t hie<span class=\"_ _6\"></span>rarc<span class=\"_ _6\"></span>hy: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 1 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d pri<span class=\"_ _6\"></span>ces (un<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>ted) i<span class=\"_ _6\"></span>n ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve mar<span class=\"_ _6\"></span>kets fo<span class=\"_ _6\"></span>r ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s or l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ca<span class=\"_ _6\"></span>n acce<span class=\"_ _6\"></span>ss </span></span>at the mea<span class=\"_ _0\"></span>surement<span class=\"_ _0\"></span> date<span class=\"_ _0\"></span>; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 2 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n level 1 t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t are o<span class=\"_ _6\"></span>bser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e for t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts or l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>, </span></span>either directly or<span class=\"_ _0\"></span> indirectly;<span class=\"_ _0\"></span> and  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 3 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re un<span class=\"_ _6\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s for t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s or l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies.<span class=\"_ _2f2\"> </span></span></span>The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re not t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in an a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive ma<span class=\"_ _6\"></span>rket (<span class=\"_ _6\"></span>for exa<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>e, inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans) is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by us<span class=\"_ _6\"></span>ing v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>iq<span class=\"_ _6\"></span>ues. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>uat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n tech<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>s max<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he use o<span class=\"_ _6\"></span>f obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>ble m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket da<span class=\"_ _6\"></span>ta wh<span class=\"_ _6\"></span>ere i<span class=\"_ _6\"></span>t is avai<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>nd rel<span class=\"_ _6\"></span>y as li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le as p<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le on e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>s. If a<span class=\"_ _6\"></span>ll s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t inp<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>s req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d to fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue a<span class=\"_ _6\"></span>n ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>re obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, the i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt is i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed in l<span class=\"_ _6\"></span>evel 2. I<span class=\"_ _6\"></span>f on<span class=\"_ _6\"></span>e or mo<span class=\"_ _6\"></span>re of th<span class=\"_ _6\"></span>e si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re not b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on o<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le m<span class=\"_ _6\"></span>arket da<span class=\"_ _6\"></span>ta, t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt is i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude<span class=\"_ _6\"></span>d in l<span class=\"_ _6\"></span>evel 3. A<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he leve<span class=\"_ _6\"></span>l app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed to f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts is a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>ropr<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>te and whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er a t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en l<span class=\"_ _6\"></span>evels is re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ired i<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>taken a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e end o<span class=\"_ _6\"></span>f eac<span class=\"_ _6\"></span>h acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od. T<span class=\"_ _6\"></span>here we<span class=\"_ _6\"></span>re no t<span class=\"_ _6\"></span>rans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n level<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar or p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>or yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>The F<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce d<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rms t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons o<span class=\"_ _6\"></span>f ite<span class=\"_ _6\"></span>ms req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>red for f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>urp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>s, in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g leve<span class=\"_ _6\"></span>l 3 fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ues<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>ch pre<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>ly u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>e dis<span class=\"_ _6\"></span>coun<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ow met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd pre<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>ves to de<span class=\"_ _6\"></span>rive c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns de<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s Ri<span class=\"_ _6\"></span>sk tea<span class=\"_ _6\"></span>m in co<span class=\"_ _6\"></span>mbi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th a m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket-d<span class=\"_ _6\"></span>rive<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>coun<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te. This t<span class=\"_ _6\"></span>eam rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e Chi<span class=\"_ _6\"></span>ef Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>icer (\u201c<span class=\"_ _6\"></span>CFO<span class=\"_ _6\"></span>\u201d). Dis<span class=\"_ _6\"></span>cuss<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of val<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s are h<span class=\"_ _6\"></span>eld re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>ly a<span class=\"_ _6\"></span>t Bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce She<span class=\"_ _6\"></span>et an<span class=\"_ _6\"></span>d Valua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on C<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tee me<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s alo<span class=\"_ _6\"></span>ng w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h reg<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>r up<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>es provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e Aud<span class=\"_ _6\"></span>it C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mit<span class=\"_ _5\"></span>tee.<span class=\"_ _2f2\"> </span><table class=\"s w3a0 hc5\" id=\"_b5a6444d-d3e0-42f2-89c9-e778869a7023\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x6c9 h28 y2a06 ff56 fs19 fc2 sc0 lsc9 wsed\">Fair<span class=\"_ _0\"></span> value<span class=\"_ _0\"></span> measurement<span class=\"_ _0\"></span> using<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x6ca y2a07 w3a1 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x6cb y2a07 w37c h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2024<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x6cc h28 y2a08 ff53 fs19 fc3 sc0 ls12 ws16\">Qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d </td><td></td><td></td><td class=\"t m0 x6cd h28 y2a08 ff56 fs19 fc2 sc0 lsc8 wsec\">Quoted </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6ce h28 y2a09 ff53 fs19 fc3 sc0 lscd ws102\">prices<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6cf h28 y2a09 ff53 fs19 fc3 sc0 lsca wsee\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d0 h28 y2a09 ff53 fs19 fc3 sc0 lsca wsee\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d1 h28 y2a09 ff56 fs19 fc2 sc0 ls11b ws144\">prices<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37c h28 y2a09 ff56 fs19 fc2 sc0 lsc9 wsed\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x377 h28 y2a09 ff56 fs19 fc2 sc0 lsc9 wsed\">Significant<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6d2 h28 y2a0a ff53 fs19 fc3 sc0 ls12 ws16\">in a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive </td><td class=\"t m0 x6d3 h28 y2a0a ff53 fs19 fc3 sc0 lsc8 wsec\">observable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b3 h28 y2a0a ff53 fs19 fc3 sc0 lscb wsef\">unobservable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d4 h28 y2a0a ff56 fs19 fc2 sc0 ls12 ws16\">in a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive </td><td class=\"t m0 x548 h28 y2a0a ff55 fs19 fc2 sc0 lsdb ws103\">observable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d5 h28 y2a0a ff55 fs19 fc2 sc0 lsca wsee\">unobservable<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6d6 h28 y2a0b ff53 fs19 fc3 sc0 lsc8 wsec\">markets<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d7 h28 y2a0b ff53 fs19 fc3 sc0 lsca wsee\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2a0b ff53 fs19 fc3 sc0 lsca wsee\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37b h28 y2a0b ff56 fs19 fc2 sc0 lseb ws110\">ma<span class=\"_ _6\"></span>rke<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2aa h28 y2a0b ff56 fs19 fc2 sc0 lscb wsef\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2ab h28 y2a0b ff56 fs19 fc2 sc0 lscb wsef\">inputs<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6cc h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 1)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d9 h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 2)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6da h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 3)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6db h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 1)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a1 h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 2)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4ac h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 3)<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6dc h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a8 h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6dd h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bb h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bc h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2a0e ff54 fs3 fc2 sc0 lsd4 wsf8\">Financial assets<span class=\"_ _0\"></span> <span class=\"_ _1a4\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _40\"> </span> <span class=\"_ _40\"> </span> <span class=\"_ _101\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _f9\"> </span> <span class=\"_ _40\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x1b9 h5 y2a0f ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t </td><td class=\"c n x6de y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6df y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e0 y2a10 w3a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e1 y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e2 y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e3 y2a10 w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a11 ff56 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wbd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e4 y285e w3a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e5 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e6 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e7 y285e w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e8 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e9 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ea y293b w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6eb y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ec y293b w381 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6af y293b w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ed y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69d y293b wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"> </span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ee y28e0 w3a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls81 wsad\">84.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ef y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f0 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f1 y28e0 w389 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">136.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f2 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f3 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x6f4 y280f w3a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">8<span class=\"_ _6\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f5 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f6 y280f w3a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>32<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x537 y280f w3a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">136.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f7 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f8 y280f w3a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td></tr></table>The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of al<span class=\"_ _6\"></span>l SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d by disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f the l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns usi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt ra<span class=\"_ _6\"></span>tes th<span class=\"_ _6\"></span>at ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ges i<span class=\"_ _6\"></span>n mar<span class=\"_ _6\"></span>ket in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ate. T<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>d fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d lo<span class=\"_ _6\"></span>ss was \u00a3<span class=\"_ _6\"></span>120.8 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 (202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>.2 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on)<span class=\"_ _0\"></span>. The g<span class=\"_ _6\"></span>row<span class=\"_ _6\"></span>th i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce was p<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y dr<span class=\"_ _6\"></span>iven by inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>he sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>er-term l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her ve<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>les us<span class=\"_ _6\"></span>ed to f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>d CBI<span class=\"_ _6\"></span>LS, RLS, G<span class=\"_ _6\"></span>GS an<span class=\"_ _6\"></span>d cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n com<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>rcial l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d is me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss. T<span class=\"_ _6\"></span>he gove<span class=\"_ _6\"></span>rnm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t-own<span class=\"_ _6\"></span>ed B<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sh Bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess B<span class=\"_ _6\"></span>ank w<span class=\"_ _6\"></span>ill g<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>tee u<span class=\"_ _6\"></span>p to 80% of t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>f CBI<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e event of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t (and b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en 70% and 8<span class=\"_ _6\"></span>0% of R<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd 70% for GG<span class=\"_ _6\"></span>S lo<span class=\"_ _6\"></span>ans)<span class=\"_ _0\"></span>. The e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ated f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e and c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts wa<span class=\"_ _6\"></span>s \u00a311<span class=\"_ _6\"></span>.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 (2024: \u00a317<span class=\"_ _b\"></span>.8 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on).<span class=\"_ _2f2\"> </span>The m<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t relev<span class=\"_ _6\"></span>ant s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t uno<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>nd di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, de<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ils of w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are se<span class=\"_ _6\"></span>t ou<span class=\"_ _6\"></span>t in n<span class=\"_ _6\"></span>ote 2 for t<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>se wi<span class=\"_ _6\"></span>th m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>l es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n unc<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Sin<span class=\"_ _6\"></span>ce 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024, the for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard<span class=\"_ _6\"></span>-lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e have be<span class=\"_ _6\"></span>en m<span class=\"_ _6\"></span>argi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly u<span class=\"_ _6\"></span>pd<span class=\"_ _6\"></span>ated to in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rate fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast U<span class=\"_ _6\"></span>K GD<span class=\"_ _6\"></span>P an<span class=\"_ _6\"></span>d ris<span class=\"_ _6\"></span>k-free ra<span class=\"_ _6\"></span>te al<span class=\"_ _6\"></span>ong<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>e un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t. Th<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io, ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed l<span class=\"_ _6\"></span>ater i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e no<span class=\"_ _6\"></span>te un<span class=\"_ _6\"></span>der \u201c<span class=\"_ _6\"></span>Key ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es to ma<span class=\"_ _6\"></span>cro sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d in 2025\u201d<span class=\"_ _0\"></span>, is ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d for pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s; however, the sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>rio c<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge h<span class=\"_ _6\"></span>as no<span class=\"_ _6\"></span>t mate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of lo<span class=\"_ _6\"></span>ans.<span class=\"_ _2f2\"> </span>The<span class=\"_ _6\"></span>re have ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>lly b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>es in d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d to dis<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d, pr<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ly dr<span class=\"_ _6\"></span>iven by d<span class=\"_ _6\"></span>ecre<span class=\"_ _6\"></span>ases i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate, du<span class=\"_ _6\"></span>e to ce<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>ank i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ates f<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>nd ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of ra<span class=\"_ _6\"></span>te cut<span class=\"_ _6\"></span>s pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>to swa<span class=\"_ _6\"></span>ps. Ma<span class=\"_ _6\"></span>ny of th<span class=\"_ _6\"></span>e invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in leve<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res have exp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>d a redu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n in di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>unt r<span class=\"_ _6\"></span>ates d<span class=\"_ _6\"></span>ue to de<span class=\"_ _6\"></span>lever<span class=\"_ _6\"></span>agi<span class=\"_ _6\"></span>ng of t<span class=\"_ _6\"></span>he ve<span class=\"_ _6\"></span>hicl<span class=\"_ _6\"></span>es as s<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>or l<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>\u2019 deb<span class=\"_ _6\"></span>t has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n pa<span class=\"_ _6\"></span>id dow<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>e repay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of se<span class=\"_ _6\"></span>nio<span class=\"_ _6\"></span>r deb<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e pas<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ge of t<span class=\"_ _6\"></span>ime have ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y led t<span class=\"_ _6\"></span>o fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e ga<span class=\"_ _6\"></span>ins, a<span class=\"_ _6\"></span>s a resul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt u<span class=\"_ _6\"></span>nwin<span class=\"_ _6\"></span>d, as p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure ca<span class=\"_ _6\"></span>sh f<span class=\"_ _6\"></span>lows of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts whi<span class=\"_ _6\"></span>ch ten<span class=\"_ _6\"></span>d to be b<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>klo<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n the s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure be<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>me ne<span class=\"_ _6\"></span>arer i<span class=\"_ _6\"></span>n ti<span class=\"_ _6\"></span>me to t<span class=\"_ _6\"></span>he ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>te. This<span class=\"_ _6\"></span>, in tu<span class=\"_ _6\"></span>rn, h<span class=\"_ _6\"></span>as le<span class=\"_ _6\"></span>d to a hi<span class=\"_ _6\"></span>ghe<span class=\"_ _6\"></span>r rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive es<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue in t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed to i<span class=\"_ _6\"></span>nvest i<span class=\"_ _6\"></span>n the s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-ter<span class=\"_ _6\"></span>m lo<span class=\"_ _6\"></span>an p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct ove<span class=\"_ _6\"></span>r the ye<span class=\"_ _6\"></span>ar en<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 whi<span class=\"_ _6\"></span>ch rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he maj<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns hel<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025. As t<span class=\"_ _6\"></span>he ea<span class=\"_ _6\"></span>rli<span class=\"_ _6\"></span>er co<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s have se<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>ned a<span class=\"_ _6\"></span>nd ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>ts h<span class=\"_ _6\"></span>ave occu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>is crea<span class=\"_ _6\"></span>tes a fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e year.<span class=\"_ _2f2\"> </span>The re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>us fa<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>bove is a \u00a36.7 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n net f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e los<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the ye<span class=\"_ _6\"></span>ar (2024: \u00a36.4 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n gai<span class=\"_ _6\"></span>n), pr<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ly dr<span class=\"_ _6\"></span>iven by t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of<span class=\"_ _5\"></span>fset by d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt u<span class=\"_ _6\"></span>nwin<span class=\"_ _6\"></span>d on i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s and c<span class=\"_ _6\"></span>o-<span class=\"_ _6\"></span>invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>Se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es to un<span class=\"_ _6\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns in t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s and m<span class=\"_ _6\"></span>oney m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket fu<span class=\"_ _6\"></span>nds w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h and c<span class=\"_ _6\"></span>ash eq<span class=\"_ _6\"></span>uiv<span class=\"_ _6\"></span>ale<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>re no<span class=\"_ _6\"></span>t dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed as re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>ly p<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>ve of def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes, d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d recover<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>ates wo<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>d not b<span class=\"_ _6\"></span>e exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>o resul<span class=\"_ _6\"></span>t in m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>al cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g valu<span class=\"_ _6\"></span>es, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts wh<span class=\"_ _6\"></span>ere a se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt r<span class=\"_ _6\"></span>ates i<span class=\"_ _6\"></span>s disc<span class=\"_ _6\"></span>los<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n note 2.<span class=\"_ _2f2\"> </span>Fair va<span class=\"_ _6\"></span>lue m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>n SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e cons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f com<span class=\"_ _6\"></span>preh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e in \u201c<span class=\"_ _6\"></span>fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue (l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es)/<span class=\"_ _0\"></span>gai<span class=\"_ _6\"></span>ns\u201d.<span class=\"_ _2f2\"> </span>The m<span class=\"_ _6\"></span>ajo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of a<span class=\"_ _6\"></span>ddi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od rel<span class=\"_ _6\"></span>ate to t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f loa<span class=\"_ _6\"></span>ns un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter-term l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are be<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g temp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ly o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ted o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>hee<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nten<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of selling them at<span class=\"_ _0\"></span> a later<span class=\"_ _0\"></span> date<span class=\"_ _0\"></span> and originations ther<span class=\"_ _0\"></span>eaf<span class=\"_ _6\"></span>ter<span class=\"_ _0\"></span> operating under a platform model.<span class=\"_ _2f2\"> </span>A reco<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion of t<span class=\"_ _6\"></span>he m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nt in l<span class=\"_ _6\"></span>evel 3 f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts is s<span class=\"_ _6\"></span>how<span class=\"_ _6\"></span>n as foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span><table class=\"s w3a9 hc6\" id=\"_e84d39a3-7406-463d-a42e-ea270d6ed7c9\"><tr><td></td><td class=\"t m0 x6f9 h28 y2a12 ff55 fs19 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x6f9 h28 y2a13 ff56 fs19 fc2 sc0 ls12 ws16\">he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2a13 ff55 fs19 fc2 sc0 lsca wsee\">Inv<span class=\"_ _0\"></span>estment in<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2a14 ff56 fs19 fc2 sc0 lscb wsef\">value through<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6fa h28 y2a14 ff56 fs19 fc2 sc0 ls12 ws16\">tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2a15 ff56 fs19 fc2 sc0 ls12 ws16\">pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6fb h28 y2a15 ff55 fs19 fc2 sc0 lsc9 wsed\">co-inve<span class=\"_ _0\"></span>stments<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2a16 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a16 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a17 w3aa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce at 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fc y2a17 w3ab h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">18<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fd y2a17 w3ac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">25<span class=\"_ _6\"></span>.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a18 w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2a18 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fe y2a18 w3ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">4<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a19 w3ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Repayments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ff y2a19 w53 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(13.5<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x700 y2a19 w3af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>4.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1a w3b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t gai<span class=\"_ _6\"></span>n on t<span class=\"_ _6\"></span>he ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x526 y2a1a w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x701 y2a1a w370 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">3.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f0 w3b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Other non-cash mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x702 y29f0 w3b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x703 y29f0 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f1 w3b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Disposal of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x704 y29f1 w3b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(5.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f8 y29f1 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1b w3b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2f2 y2a1b w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x705 y2a1b wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1c w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x706 y2a1c w3b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>80.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x707 y2a1c w300 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f2 w3ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Repayments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ff y29f2 w3b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(51.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x708 y29f2 w3b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w3b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Accr<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l of in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x709 y2902 w2dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x330 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f3 w3ba h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Ne<span class=\"_ _6\"></span>t (loss)/gai<span class=\"_ _6\"></span>n on the ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s at fair va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t or los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70a y29f3 w3b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70b y29f3 w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f4 w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70c y29f4 w16a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70d y29f4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w129 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70e y2810 w37f h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70f y2810 wab h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">11.9<span class=\"_ _2f2\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-444": {
   "value": "Financial<span class=\"_ _0\"></span> instruments<span class=\"_ _0\"></span> measur<span class=\"_ _0\"></span>ed at<span class=\"_ _0\"></span> fair<span class=\"_ _0\"></span> value IFRS <span class=\"_ _6\"></span>13 req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>s cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ures w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h requ<span class=\"_ _6\"></span>ire t<span class=\"_ _6\"></span>he cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>d at fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue us<span class=\"_ _6\"></span>ing a f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e hie<span class=\"_ _6\"></span>rarc<span class=\"_ _6\"></span>hy tha<span class=\"_ _6\"></span>t ref<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts u<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n ma<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt. Dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sure o<span class=\"_ _6\"></span>f fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts by l<span class=\"_ _6\"></span>evel is a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>g to t<span class=\"_ _6\"></span>he fol<span class=\"_ _6\"></span>lowi<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t hie<span class=\"_ _6\"></span>rarc<span class=\"_ _6\"></span>hy: <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 1 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d pri<span class=\"_ _6\"></span>ces (un<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>ted) i<span class=\"_ _6\"></span>n ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve mar<span class=\"_ _6\"></span>kets fo<span class=\"_ _6\"></span>r ide<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s or l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ca<span class=\"_ _6\"></span>n acce<span class=\"_ _6\"></span>ss </span></span>at the mea<span class=\"_ _0\"></span>surement<span class=\"_ _0\"></span> date<span class=\"_ _0\"></span>; <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 2 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n level 1 t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t are o<span class=\"_ _6\"></span>bser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e for t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts or l<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>, </span></span>either directly or<span class=\"_ _0\"></span> indirectly;<span class=\"_ _0\"></span> and  <span class=\"_ _27\"></span><span class=\"ff57\">l<span class=\"_ _20\"> </span><span class=\"ff55 fc2 ls4d ws5e\">l<span class=\"_ _6\"></span>evel 3 i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re un<span class=\"_ _6\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s for t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s or l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies.<span class=\"_ _2f2\"> </span></span></span>The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>re not t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in an a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive ma<span class=\"_ _6\"></span>rket (<span class=\"_ _6\"></span>for exa<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>e, inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans) is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by us<span class=\"_ _6\"></span>ing v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>iq<span class=\"_ _6\"></span>ues. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>uat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n tech<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>s max<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he use o<span class=\"_ _6\"></span>f obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>ble m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket da<span class=\"_ _6\"></span>ta wh<span class=\"_ _6\"></span>ere i<span class=\"_ _6\"></span>t is avai<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>nd rel<span class=\"_ _6\"></span>y as li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le as p<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>le on e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>s. If a<span class=\"_ _6\"></span>ll s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t inp<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>s req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>d to fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue a<span class=\"_ _6\"></span>n ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt a<span class=\"_ _6\"></span>re obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, the i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt is i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed in l<span class=\"_ _6\"></span>evel 2. I<span class=\"_ _6\"></span>f on<span class=\"_ _6\"></span>e or mo<span class=\"_ _6\"></span>re of th<span class=\"_ _6\"></span>e si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re not b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on o<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le m<span class=\"_ _6\"></span>arket da<span class=\"_ _6\"></span>ta, t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt is i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude<span class=\"_ _6\"></span>d in l<span class=\"_ _6\"></span>evel 3. A<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he leve<span class=\"_ _6\"></span>l app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed to f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts is a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>ropr<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>te and whe<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er a t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en l<span class=\"_ _6\"></span>evels is re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ired i<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>taken a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e end o<span class=\"_ _6\"></span>f eac<span class=\"_ _6\"></span>h acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od. T<span class=\"_ _6\"></span>here we<span class=\"_ _6\"></span>re no t<span class=\"_ _6\"></span>rans<span class=\"_ _6\"></span>fer<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n level<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar or p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>or yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>The F<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nce d<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rms t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons o<span class=\"_ _6\"></span>f ite<span class=\"_ _6\"></span>ms req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>red for f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>urp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>s, in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g leve<span class=\"_ _6\"></span>l 3 fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ues<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>ch pre<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>ly u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>e dis<span class=\"_ _6\"></span>coun<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ow met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd pre<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>ves to de<span class=\"_ _6\"></span>rive c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns de<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s Ri<span class=\"_ _6\"></span>sk tea<span class=\"_ _6\"></span>m in co<span class=\"_ _6\"></span>mbi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th a m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket-d<span class=\"_ _6\"></span>rive<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>coun<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te. This t<span class=\"_ _6\"></span>eam rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e Chi<span class=\"_ _6\"></span>ef Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>icer (\u201c<span class=\"_ _6\"></span>CFO<span class=\"_ _6\"></span>\u201d). Dis<span class=\"_ _6\"></span>cuss<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of val<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s are h<span class=\"_ _6\"></span>eld re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>ly a<span class=\"_ _6\"></span>t Bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce She<span class=\"_ _6\"></span>et an<span class=\"_ _6\"></span>d Valua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on C<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tee me<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s alo<span class=\"_ _6\"></span>ng w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h reg<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>r up<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>es provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e Aud<span class=\"_ _6\"></span>it C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mit<span class=\"_ _5\"></span>tee.<span class=\"_ _2f2\"> </span><table class=\"s w3a0 hc5\" id=\"_b5a6444d-d3e0-42f2-89c9-e778869a7023\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x6c9 h28 y2a06 ff56 fs19 fc2 sc0 lsc9 wsed\">Fair<span class=\"_ _0\"></span> value<span class=\"_ _0\"></span> measurement<span class=\"_ _0\"></span> using<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x6ca y2a07 w3a1 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x6cb y2a07 w37c h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2024<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x6cc h28 y2a08 ff53 fs19 fc3 sc0 ls12 ws16\">Qu<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>d </td><td></td><td></td><td class=\"t m0 x6cd h28 y2a08 ff56 fs19 fc2 sc0 lsc8 wsec\">Quoted </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x6ce h28 y2a09 ff53 fs19 fc3 sc0 lscd ws102\">prices<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6cf h28 y2a09 ff53 fs19 fc3 sc0 lsca wsee\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d0 h28 y2a09 ff53 fs19 fc3 sc0 lsca wsee\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d1 h28 y2a09 ff56 fs19 fc2 sc0 ls11b ws144\">prices<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37c h28 y2a09 ff56 fs19 fc2 sc0 lsc9 wsed\">Significant<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x377 h28 y2a09 ff56 fs19 fc2 sc0 lsc9 wsed\">Significant<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6d2 h28 y2a0a ff53 fs19 fc3 sc0 ls12 ws16\">in a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive </td><td class=\"t m0 x6d3 h28 y2a0a ff53 fs19 fc3 sc0 lsc8 wsec\">observable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b3 h28 y2a0a ff53 fs19 fc3 sc0 lscb wsef\">unobservable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d4 h28 y2a0a ff56 fs19 fc2 sc0 ls12 ws16\">in a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive </td><td class=\"t m0 x548 h28 y2a0a ff55 fs19 fc2 sc0 lsdb ws103\">observable<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d5 h28 y2a0a ff55 fs19 fc2 sc0 lsca wsee\">unobservable<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6d6 h28 y2a0b ff53 fs19 fc3 sc0 lsc8 wsec\">markets<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d7 h28 y2a0b ff53 fs19 fc3 sc0 lsca wsee\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2a0b ff53 fs19 fc3 sc0 lsca wsee\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37b h28 y2a0b ff56 fs19 fc2 sc0 lseb ws110\">ma<span class=\"_ _6\"></span>rke<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2aa h28 y2a0b ff56 fs19 fc2 sc0 lscb wsef\">inputs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2ab h28 y2a0b ff56 fs19 fc2 sc0 lscb wsef\">inputs<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6cc h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 1)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d9 h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 2)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6da h28 y2a0c ff60 fs19 fc3 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 3)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6db h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 1)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a1 h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 2)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4ac h28 y2a0c ff55 fs19 fc2 sc0 ls12 ws16\">(le<span class=\"_ _6\"></span>vel 3)<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x6dc h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a8 h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6dd h28 y2a0d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bb h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bc h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2a0d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2a0e ff54 fs3 fc2 sc0 lsd4 wsf8\">Financial assets<span class=\"_ _0\"></span> <span class=\"_ _1a4\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _40\"> </span> <span class=\"_ _40\"> </span> <span class=\"_ _101\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _f9\"> </span> <span class=\"_ _40\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x1b9 h5 y2a0f ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t </td><td class=\"c n x6de y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6df y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e0 y2a10 w3a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e1 y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e2 y2a10 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e3 y2a10 w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a11 ff56 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wbd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e4 y285e w3a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e5 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e6 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e7 y285e w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e8 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6e9 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ea y293b w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6eb y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ec y293b w381 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6af y293b w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ed y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x69d y293b wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"> </span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ee y28e0 w3a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls81 wsad\">84.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ef y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f0 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f1 y28e0 w389 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">136.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f2 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f3 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x6f4 y280f w3a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">8<span class=\"_ _6\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f5 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f6 y280f w3a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>32<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x537 y280f w3a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">136.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f7 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6f8 y280f w3a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td></tr></table>The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of al<span class=\"_ _6\"></span>l SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d by disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f the l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns usi<span class=\"_ _6\"></span>ng d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt ra<span class=\"_ _6\"></span>tes th<span class=\"_ _6\"></span>at ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ges i<span class=\"_ _6\"></span>n mar<span class=\"_ _6\"></span>ket in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e repo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ate. T<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>d fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d lo<span class=\"_ _6\"></span>ss was \u00a3<span class=\"_ _6\"></span>120.8 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 (202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>.2 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on)<span class=\"_ _0\"></span>. The g<span class=\"_ _6\"></span>row<span class=\"_ _6\"></span>th i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce was p<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y dr<span class=\"_ _6\"></span>iven by inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>he sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>er-term l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her ve<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>les us<span class=\"_ _6\"></span>ed to f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>d CBI<span class=\"_ _6\"></span>LS, RLS, G<span class=\"_ _6\"></span>GS an<span class=\"_ _6\"></span>d cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n com<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>rcial l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns an<span class=\"_ _6\"></span>d is me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>oss. T<span class=\"_ _6\"></span>he gove<span class=\"_ _6\"></span>rnm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t-own<span class=\"_ _6\"></span>ed B<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sh Bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess B<span class=\"_ _6\"></span>ank w<span class=\"_ _6\"></span>ill g<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>tee u<span class=\"_ _6\"></span>p to 80% of t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>f CBI<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e event of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t (and b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en 70% and 8<span class=\"_ _6\"></span>0% of R<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>nd 70% for GG<span class=\"_ _6\"></span>S lo<span class=\"_ _6\"></span>ans)<span class=\"_ _0\"></span>. The e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ated f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e and c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts wa<span class=\"_ _6\"></span>s \u00a311<span class=\"_ _6\"></span>.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 (2024: \u00a317<span class=\"_ _b\"></span>.8 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on).<span class=\"_ _2f2\"> </span>The m<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t relev<span class=\"_ _6\"></span>ant s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t uno<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate a<span class=\"_ _6\"></span>nd di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>ppl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, de<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ils of w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are se<span class=\"_ _6\"></span>t ou<span class=\"_ _6\"></span>t in n<span class=\"_ _6\"></span>ote 2 for t<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>se wi<span class=\"_ _6\"></span>th m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>l es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n unc<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Sin<span class=\"_ _6\"></span>ce 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024, the for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard<span class=\"_ _6\"></span>-lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e have be<span class=\"_ _6\"></span>en m<span class=\"_ _6\"></span>argi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly u<span class=\"_ _6\"></span>pd<span class=\"_ _6\"></span>ated to in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rate fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast U<span class=\"_ _6\"></span>K GD<span class=\"_ _6\"></span>P an<span class=\"_ _6\"></span>d ris<span class=\"_ _6\"></span>k-free ra<span class=\"_ _6\"></span>te al<span class=\"_ _6\"></span>ong<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>e un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t. Th<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io, ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed l<span class=\"_ _6\"></span>ater i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e no<span class=\"_ _6\"></span>te un<span class=\"_ _6\"></span>der \u201c<span class=\"_ _6\"></span>Key ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es to ma<span class=\"_ _6\"></span>cro sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d in 2025\u201d<span class=\"_ _0\"></span>, is ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d for pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s; however, the sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>rio c<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge h<span class=\"_ _6\"></span>as no<span class=\"_ _6\"></span>t mate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of lo<span class=\"_ _6\"></span>ans.<span class=\"_ _2f2\"> </span>The<span class=\"_ _6\"></span>re have ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>lly b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>es in d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d to dis<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d, pr<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ly dr<span class=\"_ _6\"></span>iven by d<span class=\"_ _6\"></span>ecre<span class=\"_ _6\"></span>ases i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate, du<span class=\"_ _6\"></span>e to ce<span class=\"_ _6\"></span>ntr<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>ank i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ates f<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>nd ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of ra<span class=\"_ _6\"></span>te cut<span class=\"_ _6\"></span>s pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>to swa<span class=\"_ _6\"></span>ps. Ma<span class=\"_ _6\"></span>ny of th<span class=\"_ _6\"></span>e invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in leve<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res have exp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>d a redu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n in di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>unt r<span class=\"_ _6\"></span>ates d<span class=\"_ _6\"></span>ue to de<span class=\"_ _6\"></span>lever<span class=\"_ _6\"></span>agi<span class=\"_ _6\"></span>ng of t<span class=\"_ _6\"></span>he ve<span class=\"_ _6\"></span>hicl<span class=\"_ _6\"></span>es as s<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>or l<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>\u2019 deb<span class=\"_ _6\"></span>t has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n pa<span class=\"_ _6\"></span>id dow<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>e repay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of se<span class=\"_ _6\"></span>nio<span class=\"_ _6\"></span>r deb<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e pas<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>ge of t<span class=\"_ _6\"></span>ime have ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y led t<span class=\"_ _6\"></span>o fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e ga<span class=\"_ _6\"></span>ins, a<span class=\"_ _6\"></span>s a resul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt u<span class=\"_ _6\"></span>nwin<span class=\"_ _6\"></span>d, as p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure ca<span class=\"_ _6\"></span>sh f<span class=\"_ _6\"></span>lows of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts whi<span class=\"_ _6\"></span>ch ten<span class=\"_ _6\"></span>d to be b<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>klo<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n the s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure be<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>me ne<span class=\"_ _6\"></span>arer i<span class=\"_ _6\"></span>n ti<span class=\"_ _6\"></span>me to t<span class=\"_ _6\"></span>he ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>te. This<span class=\"_ _6\"></span>, in tu<span class=\"_ _6\"></span>rn, h<span class=\"_ _6\"></span>as le<span class=\"_ _6\"></span>d to a hi<span class=\"_ _6\"></span>ghe<span class=\"_ _6\"></span>r rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive es<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue in t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>iod<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed to i<span class=\"_ _6\"></span>nvest i<span class=\"_ _6\"></span>n the s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-ter<span class=\"_ _6\"></span>m lo<span class=\"_ _6\"></span>an p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct ove<span class=\"_ _6\"></span>r the ye<span class=\"_ _6\"></span>ar en<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 whi<span class=\"_ _6\"></span>ch rep<span class=\"_ _6\"></span>resen<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>he maj<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns hel<span class=\"_ _6\"></span>d at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t and l<span class=\"_ _6\"></span>oss a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025. As t<span class=\"_ _6\"></span>he ea<span class=\"_ _6\"></span>rli<span class=\"_ _6\"></span>er co<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s have se<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>ned a<span class=\"_ _6\"></span>nd ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>ts h<span class=\"_ _6\"></span>ave occu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>is crea<span class=\"_ _6\"></span>tes a fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e year.<span class=\"_ _2f2\"> </span>The re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>us fa<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>bove is a \u00a36.7 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n net f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e los<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g the ye<span class=\"_ _6\"></span>ar (2024: \u00a36.4 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n gai<span class=\"_ _6\"></span>n), pr<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ly dr<span class=\"_ _6\"></span>iven by t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of<span class=\"_ _5\"></span>fset by d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt u<span class=\"_ _6\"></span>nwin<span class=\"_ _6\"></span>d on i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s and c<span class=\"_ _6\"></span>o-<span class=\"_ _6\"></span>invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>Se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es to un<span class=\"_ _6\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vab<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns in t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s and m<span class=\"_ _6\"></span>oney m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket fu<span class=\"_ _6\"></span>nds w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h and c<span class=\"_ _6\"></span>ash eq<span class=\"_ _6\"></span>uiv<span class=\"_ _6\"></span>ale<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>re no<span class=\"_ _6\"></span>t dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed as re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>ly p<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ump<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>ve of def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes, d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d recover<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>ates wo<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>d not b<span class=\"_ _6\"></span>e exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>o resul<span class=\"_ _6\"></span>t in m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>al cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g valu<span class=\"_ _6\"></span>es, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts wh<span class=\"_ _6\"></span>ere a se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt r<span class=\"_ _6\"></span>ates i<span class=\"_ _6\"></span>s disc<span class=\"_ _6\"></span>los<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n note 2.<span class=\"_ _2f2\"> </span>Fair va<span class=\"_ _6\"></span>lue m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts o<span class=\"_ _6\"></span>n SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts are reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e cons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f com<span class=\"_ _6\"></span>preh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e in \u201c<span class=\"_ _6\"></span>fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue (l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es)/<span class=\"_ _0\"></span>gai<span class=\"_ _6\"></span>ns\u201d.<span class=\"_ _2f2\"> </span>The m<span class=\"_ _6\"></span>ajo<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of a<span class=\"_ _6\"></span>ddi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s of SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od rel<span class=\"_ _6\"></span>ate to t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f loa<span class=\"_ _6\"></span>ns un<span class=\"_ _6\"></span>der t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>ter-term l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>t, w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are be<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g temp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ly o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ted o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>hee<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nten<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of selling them at<span class=\"_ _0\"></span> a later<span class=\"_ _0\"></span> date<span class=\"_ _0\"></span> and originations ther<span class=\"_ _0\"></span>eaf<span class=\"_ _6\"></span>ter<span class=\"_ _0\"></span> operating under a platform model.<span class=\"_ _2f2\"> </span>A reco<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion of t<span class=\"_ _6\"></span>he m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nt in l<span class=\"_ _6\"></span>evel 3 f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts is s<span class=\"_ _6\"></span>how<span class=\"_ _6\"></span>n as foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span><table class=\"s w3a9 hc6\" id=\"_e84d39a3-7406-463d-a42e-ea270d6ed7c9\"><tr><td></td><td class=\"t m0 x6f9 h28 y2a12 ff55 fs19 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x6f9 h28 y2a13 ff56 fs19 fc2 sc0 ls12 ws16\">he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2a13 ff55 fs19 fc2 sc0 lsca wsee\">Inv<span class=\"_ _0\"></span>estment in<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2a14 ff56 fs19 fc2 sc0 lscb wsef\">value through<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6fa h28 y2a14 ff56 fs19 fc2 sc0 ls12 ws16\">tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2a15 ff56 fs19 fc2 sc0 ls12 ws16\">pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6fb h28 y2a15 ff55 fs19 fc2 sc0 lsc9 wsed\">co-inve<span class=\"_ _0\"></span>stments<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2a16 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a16 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a17 w3aa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce at 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fc y2a17 w3ab h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">18<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fd y2a17 w3ac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">25<span class=\"_ _6\"></span>.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a18 w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2a18 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6fe y2a18 w3ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">4<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a19 w3ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Repayments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ff y2a19 w53 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(13.5<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x700 y2a19 w3af h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>4.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1a w3b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t gai<span class=\"_ _6\"></span>n on t<span class=\"_ _6\"></span>he ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s at f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x526 y2a1a w24c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x701 y2a1a w370 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">3.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f0 w3b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Other non-cash mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x702 y29f0 w3b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x703 y29f0 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f1 w3b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Disposal of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x704 y29f1 w3b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(5.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3f8 y29f1 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1b w3b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2f2 y2a1b w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x705 y2a1b wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a1c w2e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">Addi<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x706 y2a1c w3b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>80.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x707 y2a1c w300 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f2 w3ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Repayments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x6ff y29f2 w3b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(51.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x708 y29f2 w3b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w3b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Accr<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l of in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x709 y2902 w2dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x330 y2902 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f3 w3ba h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Ne<span class=\"_ _6\"></span>t (loss)/gai<span class=\"_ _6\"></span>n on the ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e of fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s at fair va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t or los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70a y29f3 w3b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70b y29f3 w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f4 w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70c y29f4 w16a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70d y29f4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w129 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70e y2810 w37f h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x70f y2810 wab h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">11.9<span class=\"_ _2f2\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-445": {
   "value": "Credit risk<span class=\"_ _2f2\"> </span>Cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k is t<span class=\"_ _6\"></span>he ri<span class=\"_ _6\"></span>sk of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al l<span class=\"_ _6\"></span>oss to t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>f a cus<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>er o<span class=\"_ _6\"></span>r cou<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to a f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>ls to me<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>ts c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l ob<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>es pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y fro<span class=\"_ _6\"></span>m the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s from c<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ome<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at ba<span class=\"_ _6\"></span>nks<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s max<span class=\"_ _6\"></span>imu<span class=\"_ _6\"></span>m exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk by c<span class=\"_ _6\"></span>las<span class=\"_ _6\"></span>s of f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set is a<span class=\"_ _6\"></span>s foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span><table class=\"s w3bd hc7\" id=\"_6710e427-9067-4ffa-b76d-4d10c91ebdcf\"><tr><td></td><td class=\"t m0 x49f h28 y2a1d ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2a1d ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2a1e ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2a1e ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2a1f ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2a1f ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2a20 ff54 fs3 fc2 sc0 lsd1 wsf5\">Non-current<span class=\"_ _256\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a21 waf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x710 y2a21 wb0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x711 y2a21 w3be h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a22 w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x712 y2a22 w347 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x713 y2a22 wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 hd y2a23 ff54 fs3 fc2 sc0 ls7e wsa9\">Curren<span class=\"_ _6\"></span>t<span class=\"_ _21d\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a18 waf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x621 y2a18 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x622 y2a18 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2943 wb6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x714 y2943 w37f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">12<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x711 y2943 w2e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">1.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2944 wb9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x715 y2944 w3bf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x716 y2944 w34c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a24 ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es:<span class=\"_ _16b\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2946 w3c0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">\u2013 T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e rece<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x717 y2946 w3c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d4 y2946 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2808 w3c2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">\u2013 O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er rec<span class=\"_ _6\"></span>eiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x718 y2808 w28 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">6.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x719 y2808 w3c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2947 w3c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2013 Accr<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71a y2947 w35b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">4.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a7 y2947 wde h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28bd w3c5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">\u2013 Ren<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d ot<span class=\"_ _6\"></span>her d<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71b y28bd wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x21e y28bd wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280b wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71c y280b w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">152<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71d y280b w3c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293b w3c7 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal gross credit risk exposure<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71e y290a w3c8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lsd5 wsfa\">472<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71f y290a w3c9 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2861 w3ca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Less b<span class=\"_ _6\"></span>ank b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>gs</div><div class=\"t m0 x720 h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x721 y2861 w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x722 y2861 w396 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w3cb h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsb8 wsce\">T<span class=\"_ _b\"></span>otal net credit risk exposure<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x723 y2810 w3cc h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">20<span class=\"_ _6\"></span>4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x724 y2810 w3cd h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls12 ws16\">215.2<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>B<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>k<span class=\"_ gs546\"> </span>bo<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>ar<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>he<span class=\"_ gs546\"> </span>F<span class=\"_ _6\"></span>lex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay<span class=\"_ gs546\"> </span>an<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r-ter<span class=\"_ _6\"></span>m<span class=\"_ gs546\"> </span>lo<span class=\"_ _6\"></span>an<span class=\"_ gs546\"> </span>wa<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>use<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>An ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>n the Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct of \u00a3<span class=\"_ _6\"></span>2.5 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a32.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) is he<span class=\"_ _6\"></span>ld w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin p<span class=\"_ _6\"></span>rovis<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es. T<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s m<span class=\"_ _6\"></span>axi<span class=\"_ _6\"></span>mum ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ure to cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk on t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t if t<span class=\"_ _6\"></span>hey were a<span class=\"_ _6\"></span>ll to be f<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ly dr<span class=\"_ _6\"></span>awn wou<span class=\"_ _6\"></span>ld b<span class=\"_ _6\"></span>e \u00a344<span class=\"_ _6\"></span>6.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a3278.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on). The Gro<span class=\"_ _6\"></span>up has t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y t<span class=\"_ _6\"></span>o freeze, red<span class=\"_ _6\"></span>uce o<span class=\"_ _6\"></span>r wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>draw li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t as a w<span class=\"_ _6\"></span>ay of man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ing as<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk.<span class=\"_ _2f2\"> </span>Cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ates w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld at a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span>Un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up is re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>red to p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>e for l<span class=\"_ _6\"></span>oans m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r the ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s (\u201c<span class=\"_ _6\"></span>ECL<span class=\"_ _b\"></span>\u201d) mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>. The i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t rel<span class=\"_ _6\"></span>ated t<span class=\"_ _6\"></span>o eac<span class=\"_ _6\"></span>h loa<span class=\"_ _6\"></span>n is ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ECL<span class=\"_ _6\"></span>s asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>hat l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n in th<span class=\"_ _6\"></span>e nex<span class=\"_ _6\"></span>t 12 mon<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>s unl<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n a sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk of t<span class=\"_ _6\"></span>hat l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n sin<span class=\"_ _6\"></span>ce or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. Th<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>low f<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>ors a<span class=\"_ _6\"></span>re use<span class=\"_ _6\"></span>d in estimating the impairment:<span class=\"_ _2f2\"> </span><table class=\"s w3ce hc8\" id=\"_0d98c2d5-6834-449a-a9d1-21e6e180ff8e\"><tr><td class=\"c n x1be y2a25 w3cf hc9\"><div class=\"t m0 x1b5 h83 y27ae ff54 fs19 fc2 sc0 lsce wsf1\">Fac<span class=\"_ _6\"></span>tor<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x725 y2a25 w3d0 hc9\"><div class=\"t m0 x1b5 h83 y27ae ff54 fs19 fc2 sc0 lsfc ws124\">Descri<span class=\"_ _6\"></span>ption<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a26 ff55 fs3 fc2 sc0 ls12 ws16\">Prob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of </td><td class=\"t m0 x726 h5 y2a26 ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d PD mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s ta<span class=\"_ _6\"></span>ilo<span class=\"_ _6\"></span>red to e<span class=\"_ _6\"></span>ach T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an or l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t to ass<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>he </td></tr><tr><td class=\"t m0 x1b9 h5 y2a27 ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t (\u201c<span class=\"_ _6\"></span>PD\u201d<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a27 ff55 fs3 fc2 sc0 ls12 ws16\">li<span class=\"_ _6\"></span>kelih<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>d of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>ex<span class=\"_ _6\"></span>t 12 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs and ove<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me. Th<span class=\"_ _6\"></span>e mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s es<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>ate PD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tors </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a28 ff55 fs3 fc2 sc0 ls12 ws16\">in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e late<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ehav<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>r of th<span class=\"_ _6\"></span>e cus<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>ers, c<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>erci<span class=\"_ _6\"></span>al, co<span class=\"_ _6\"></span>nsu<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a29 ff55 fs3 fc2 sc0 ls12 ws16\">cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t dat<span class=\"_ _6\"></span>a sh<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ing (\u201c<span class=\"_ _6\"></span>CC<span class=\"_ _6\"></span>DS\u201d<span class=\"_ _6\"></span>) da<span class=\"_ _6\"></span>ta p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>. The PD m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el al<span class=\"_ _6\"></span>so in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s an </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a2a ff56 fs3 fc2 sc0 ls12 ws16\">es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate o<span class=\"_ _6\"></span>f the ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>ic ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a2b ff56 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xpo<span class=\"_ _6\"></span>sure a<span class=\"_ _6\"></span>t </td><td class=\"t m0 x726 h5 y2a2b ff56 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d an E<span class=\"_ _6\"></span>AD m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el for l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ts to as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e likel<span class=\"_ _6\"></span>y exp<span class=\"_ _6\"></span>osure a<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. </td></tr><tr><td class=\"t m0 x1b9 h5 y2a2c ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t (\u201c<span class=\"_ _6\"></span>E<span class=\"_ _6\"></span>AD\u201d<span class=\"_ _6\"></span>) </td><td class=\"t m0 x726 h5 y2a2c ff55 fs3 fc2 sc0 ls12 ws16\">The m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>tes es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tes of E<span class=\"_ _6\"></span>AD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d up<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>t paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t beh<span class=\"_ _6\"></span>avio<span class=\"_ _6\"></span>ur of t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>mer, the c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a2d ff55 fs3 fc2 sc0 ls12 ws16\">li<span class=\"_ _6\"></span>mit u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n, an<span class=\"_ _6\"></span>d proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on at d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved h<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tori<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a2e ff55 fs3 fc2 sc0 ls70 ws74\">Loss gi<span class=\"_ _6\"></span>ven def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t </td><td class=\"t m0 x726 h5 y2a2e ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD m<span class=\"_ _6\"></span>ode<span class=\"_ _6\"></span>ls t<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ore<span class=\"_ _6\"></span>d to eac<span class=\"_ _6\"></span>h T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>n or li<span class=\"_ _6\"></span>ne of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct to a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ss t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>kely </td></tr><tr><td class=\"t m0 x1b9 h5 y2a2f ff55 fs3 fc2 sc0 ls27 ws69\">(\u201c<span class=\"_ _5\"></span>LG<span class=\"_ _6\"></span>D\u201d<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a2f ff55 fs3 fc2 sc0 ls12 ws16\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l los<span class=\"_ _6\"></span>s gi<span class=\"_ _6\"></span>ven an a<span class=\"_ _6\"></span>ccou<span class=\"_ _6\"></span>nt d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates of LGD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on hi<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cal d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a on </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a30 ff55 fs3 fc2 sc0 ls12 ws16\">obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d acco<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a31 w3d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Discount rat<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x727 y2a31 w3d2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p use<span class=\"_ _6\"></span>s acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t-leve<span class=\"_ _6\"></span>l ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te whi<span class=\"_ _6\"></span>ch is c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt o<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a32 ff55 fs3 fc2 sc0 ls12 ws16\">lo<span class=\"_ _6\"></span>an am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t, i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st a<span class=\"_ _6\"></span>nd fee<span class=\"_ _6\"></span>s, exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted re<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng pre<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d ter<span class=\"_ _6\"></span>m.<span class=\"_ _2f2\"> </span></td></tr></table>Model change<span class=\"_ _0\"></span>s sinc<span class=\"_ _0\"></span>e 3<span class=\"_ _0\"></span>1 December<span class=\"_ _0\"></span> 20<span class=\"_ _0\"></span>24<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has ref<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>ts EC<span class=\"_ _6\"></span>L mo<span class=\"_ _6\"></span>del m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>log<span class=\"_ _6\"></span>y sin<span class=\"_ _6\"></span>ce 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024. The key chan<span class=\"_ _6\"></span>ges a<span class=\"_ _6\"></span>re as ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow. The ove<span class=\"_ _6\"></span>ral<span class=\"_ _6\"></span>l imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>tes on a l<span class=\"_ _6\"></span>ike-fo<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-l<span class=\"_ _6\"></span>ike bas<span class=\"_ _6\"></span>is wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>us me<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>olo<span class=\"_ _6\"></span>gy is n<span class=\"_ _6\"></span>ot m<span class=\"_ _6\"></span>ater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l to th<span class=\"_ _6\"></span>e overal<span class=\"_ _6\"></span>l ECL f<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ure; however, it res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts in a l<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ropo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces in s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>age 2 c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>are<span class=\"_ _6\"></span>d to st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 bu<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th a l<span class=\"_ _6\"></span>ower P<span class=\"_ _6\"></span>D.<span class=\"_ _2f2\"> </span><table class=\"s w3d3 hca\" id=\"_16c2e7fa-c289-4dcd-a4b1-8e7e666f837d\"><tr><td class=\"c n x1be y2a33 w3d4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc8 wsec\">Model component<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x728 y2a33 w3d5 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge si<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>e 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a34 wb8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5 ws43\">PD<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x729 y2a34 w3d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _6\"></span>he PD is n<span class=\"_ _6\"></span>ow ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d us<span class=\"_ _6\"></span>ing a m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>akes a n<span class=\"_ _6\"></span>umb<span class=\"_ _6\"></span>er of i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>t va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es de<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m com<span class=\"_ _6\"></span>merc<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>,<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a35 ff55 fs3 fc2 sc0 ls12 ws16\">con<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>er<span class=\"_ _0\"></span>, fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d beh<span class=\"_ _6\"></span>avio<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>l sou<span class=\"_ _6\"></span>rces of d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a, wh<span class=\"_ _6\"></span>ich h<span class=\"_ _6\"></span>ave bee<span class=\"_ _6\"></span>n obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved t<span class=\"_ _6\"></span>o cor<span class=\"_ _6\"></span>rela<span class=\"_ _6\"></span>te wi<span class=\"_ _6\"></span>th a d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t. </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a36 ff55 fs3 fc2 sc0 ls12 ws16\">The<span class=\"_ _6\"></span>se in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re comb<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed to d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ne a PD cu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve for eac<span class=\"_ _6\"></span>h bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, wit<span class=\"_ _6\"></span>h 12-mon<span class=\"_ _6\"></span>th PD u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed fo<span class=\"_ _6\"></span>r st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a37 ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me PD fo<span class=\"_ _6\"></span>r st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2. The m<span class=\"_ _6\"></span>argi<span class=\"_ _6\"></span>nal PD<span class=\"_ _6\"></span>s are us<span class=\"_ _6\"></span>ed to c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>cul<span class=\"_ _6\"></span>ate an EC<span class=\"_ _6\"></span>L in e<span class=\"_ _6\"></span>ach res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a38 ff55 fs3 fc2 sc0 ls12 ws16\">pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d. Prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>sly PD w<span class=\"_ _6\"></span>as de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed us<span class=\"_ _6\"></span>ing m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>els t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e late<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ehav<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>r of cus<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>ers </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a39 ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d obse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ved h<span class=\"_ _6\"></span>isto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l tren<span class=\"_ _6\"></span>ds to p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2a3a ff56 fs3 fc2 sc0 ls3d ws47\">Signific<span class=\"_ _6\"></span>ant </td><td class=\"t m0 x72a h5 y2a3a ff55 fs3 fc2 sc0 ls12 ws16\">The d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk (\u201c<span class=\"_ _6\"></span>SI<span class=\"_ _6\"></span>CR<span class=\"_ _6\"></span>\u201d) us<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted to re<span class=\"_ _6\"></span>feren<span class=\"_ _6\"></span>ce </td></tr><tr><td class=\"t m0 x250 h5 y2a3b ff56 fs3 fc2 sc0 ls3d ws47\">increas<span class=\"_ _0\"></span>e in </td><td class=\"t m0 x72a h5 y2a3b ff55 fs3 fc2 sc0 ls12 ws16\">th<span class=\"_ _6\"></span>e rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ve cha<span class=\"_ _6\"></span>nge i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re bet<span class=\"_ _5\"></span>ween o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t dat<span class=\"_ _6\"></span>e. Previo<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y SI<span class=\"_ _6\"></span>CR was </td></tr><tr><td class=\"t m0 x250 h5 y2a3c ff56 fs3 fc2 sc0 ls39 ws42\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x72a h5 y2a3c ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>s incl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ny acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t whic<span class=\"_ _6\"></span>h was overd<span class=\"_ _6\"></span>ue o<span class=\"_ _6\"></span>r frozen. This c<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n a hig<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a3d ff55 fs3 fc2 sc0 ls12 ws16\">acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts m<span class=\"_ _6\"></span>oving t<span class=\"_ _6\"></span>o st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2 pri<span class=\"_ _6\"></span>or to b<span class=\"_ _6\"></span>eco<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ng la<span class=\"_ _6\"></span>te or d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g, rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive to t<span class=\"_ _6\"></span>he prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>s met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d. </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a3e ff55 fs3 fc2 sc0 ls12 ws16\">The b<span class=\"_ _6\"></span>ack<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>p of 30 d<span class=\"_ _6\"></span>ays pas<span class=\"_ _6\"></span>t du<span class=\"_ _6\"></span>e rem<span class=\"_ _6\"></span>ains i<span class=\"_ _6\"></span>n pl<span class=\"_ _6\"></span>ace.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a3f w3d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">EAD<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72b y2a3f w3d8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Th<span class=\"_ _6\"></span>e E<span class=\"_ _6\"></span>AD m<span class=\"_ _6\"></span>eth<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ogy h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en ref<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ned to t<span class=\"_ _6\"></span>ake ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt of a<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ysis of t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>A<span class=\"_ _6\"></span>D bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n more g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a40 ff55 fs3 fc2 sc0 ls12 ws16\">ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>s for s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 an<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2. This a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>roac<span class=\"_ _6\"></span>h has res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>n mo<span class=\"_ _6\"></span>re accu<span class=\"_ _6\"></span>rate E<span class=\"_ _6\"></span>A<span class=\"_ _6\"></span>D pre<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on w<span class=\"_ _6\"></span>hen </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a41 ff55 fs3 fc2 sc0 ls12 ws16\">ba<span class=\"_ _6\"></span>ck tes<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>gai<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>t ac<span class=\"_ _6\"></span>tua<span class=\"_ _6\"></span>l resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s acro<span class=\"_ _6\"></span>ss po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>folio<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pare<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ss gr<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>lar c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it co<span class=\"_ _6\"></span>nvers<span class=\"_ _6\"></span>ion f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tor </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a42 ff56 fs3 fc2 sc0 lsdf ws107\">approach used pr<span class=\"_ _0\"></span>eviously<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a43 w3d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls27 ws69\">LG<span class=\"_ _6\"></span>D<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72c y2a43 w3da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">The as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns be<span class=\"_ _6\"></span>hin<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD u<span class=\"_ _6\"></span>sed fo<span class=\"_ _6\"></span>r Flex<span class=\"_ _6\"></span>iPay h<span class=\"_ _6\"></span>ave previo<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y be<span class=\"_ _6\"></span>en b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on th<span class=\"_ _6\"></span>e ex<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rap<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f lim<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a44 ff56 fs3 fc2 sc0 ls12 ws16\">ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al rec<span class=\"_ _6\"></span>over<span class=\"_ _6\"></span>y da<span class=\"_ _6\"></span>ta g<span class=\"_ _6\"></span>iven t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ivel<span class=\"_ _6\"></span>y sma<span class=\"_ _6\"></span>ll l<span class=\"_ _6\"></span>evels of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n the p<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>foli<span class=\"_ _6\"></span>o to da<span class=\"_ _6\"></span>te. The a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>roac<span class=\"_ _6\"></span>h has </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a45 ff55 fs3 fc2 sc0 ls12 ws16\">be<span class=\"_ _6\"></span>en ref<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed to s<span class=\"_ _6\"></span>upp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>ta li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h su<span class=\"_ _6\"></span>bst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Lo<span class=\"_ _6\"></span>an rec<span class=\"_ _6\"></span>over<span class=\"_ _6\"></span>y info<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on, i<span class=\"_ _6\"></span>n lig<span class=\"_ _6\"></span>ht of a </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a46 ff55 fs3 fc2 sc0 ls12 ws16\">sh<span class=\"_ _6\"></span>ared re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>y p<span class=\"_ _6\"></span>roces<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e prod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>t a bor<span class=\"_ _6\"></span>rower l<span class=\"_ _6\"></span>evel an<span class=\"_ _6\"></span>d as ma<span class=\"_ _6\"></span>ny Flexi<span class=\"_ _6\"></span>Pay b<span class=\"_ _6\"></span>orrow<span class=\"_ _6\"></span>ers a<span class=\"_ _6\"></span>lso have </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a47 ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>, lea<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng to an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>roved bas<span class=\"_ _6\"></span>is for p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e L<span class=\"_ _0\"></span>GD u<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>il mo<span class=\"_ _6\"></span>re Flex<span class=\"_ _6\"></span>iPay d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a be<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>es </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a48 ff55 fs3 fc2 sc0 ls12 ws16\">avai<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le i<span class=\"_ _6\"></span>n fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a49 w3db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>cro sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72d y2a49 w3dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s m<span class=\"_ _6\"></span>acro s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>os prev<span class=\"_ _6\"></span>ious<span class=\"_ _6\"></span>ly i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ora<span class=\"_ _6\"></span>ted j<span class=\"_ _6\"></span>ust u<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt as a fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast v<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>ake<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4a ff55 fs3 fc2 sc0 ls12 ws16\">acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>oki<span class=\"_ _6\"></span>ng i<span class=\"_ _6\"></span>nfor<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p now u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>es UK u<span class=\"_ _6\"></span>nem<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt ra<span class=\"_ _6\"></span>tes, t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk-fre<span class=\"_ _6\"></span>e rat<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4b ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d GDP a<span class=\"_ _6\"></span>s the s<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast v<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>les, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h hi<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d coe<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n the<span class=\"_ _6\"></span>se va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es to </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4c ff55 fs3 fc2 sc0 ls12 ws16\">pre<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>venci<span class=\"_ _6\"></span>es, i<span class=\"_ _6\"></span>nste<span class=\"_ _6\"></span>ad of s<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ely u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g une<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent r<span class=\"_ _6\"></span>ates p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Fur<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ails a<span class=\"_ _6\"></span>re provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d lat<span class=\"_ _6\"></span>er </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4d ff56 fs3 fc2 sc0 ls12 ws16\">in t<span class=\"_ _6\"></span>his n<span class=\"_ _6\"></span>ote.<span class=\"_ _2f2\"> </span></td></tr></table>Definitions<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns wh<span class=\"_ _6\"></span>en c<span class=\"_ _6\"></span>alcu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e ECL o<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>ets:<span class=\"_ _2f2\"> </span><table class=\"s w3dd hcb\" id=\"_dc555638-0e1a-41ff-9441-6a5c3a4d5482\"><tr><td class=\"c n x1be y2a4e w3de h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">Component<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72e y2a4e w3df h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">Definition/assumption<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a4f ff56 fs3 fc2 sc0 ls3d ws47\">Signific<span class=\"_ _6\"></span>ant </td><td class=\"t m0 x726 h5 y2a4f ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p assu<span class=\"_ _6\"></span>mes t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n a sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e prob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>exed </td></tr><tr><td class=\"t m0 x1b9 h5 y2a50 ff56 fs3 fc2 sc0 ls3d ws47\">increas<span class=\"_ _0\"></span>e in </td><td class=\"t m0 x726 h5 y2a50 ff55 fs3 fc2 sc0 ls2b ws66\">to th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k score of t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r has in<span class=\"_ _6\"></span>crea<span class=\"_ _6\"></span>sed over g<span class=\"_ _6\"></span>iven t<span class=\"_ _6\"></span>hres<span class=\"_ _6\"></span>hol<span class=\"_ _6\"></span>ds si<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e bal<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et </td></tr><tr><td class=\"t m0 x1b9 h5 y2a51 ff56 fs3 fc2 sc0 ls39 ws42\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a51 ff55 fs3 fc2 sc0 ls2b ws66\">da<span class=\"_ _6\"></span>te. A back<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>p is app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed for any ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s on th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent wh<span class=\"_ _6\"></span>ich exce<span class=\"_ _6\"></span>ed 3<span class=\"_ _6\"></span>0 days, in l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span> </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a52 ff55 fs3 fc2 sc0 ls12 ws16\">wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e pre<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 9.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a53 w3e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72f y2a53 w3e1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">We est<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>te PD, EA<span class=\"_ _6\"></span>D an<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD for t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>me of t<span class=\"_ _6\"></span>he T<span class=\"_ _0\"></span>erm Loa<span class=\"_ _6\"></span>n or li<span class=\"_ _6\"></span>ne of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. T<span class=\"_ _b\"></span>er<span class=\"_ _6\"></span>m Loa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a54 ff55 fs3 fc2 sc0 ls12 ws16\">ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ual te<span class=\"_ _6\"></span>rm of t<span class=\"_ _6\"></span>he T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an. Fo<span class=\"_ _6\"></span>r lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e is es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted to b<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a55 ff56 fs3 fc2 sc0 ls69 wsb9\">f<span class=\"_ _6\"></span>ive ye<span class=\"_ _6\"></span>ars<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a56 ff56 fs3 fc2 sc0 ls3d ws47\">Definit<span class=\"_ _6\"></span>ion </td><td class=\"t m0 x726 h5 y2a56 ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es a def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>, cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ied w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n non<span class=\"_ _6\"></span>-p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>, as a lo<span class=\"_ _6\"></span>an inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th any o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g </td></tr><tr><td class=\"t m0 x1b9 h5 y2a57 ff56 fs3 fc2 sc0 ls12 ws16\">of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a57 ff55 fs3 fc2 sc0 ls12 ws16\">amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts exce<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>ing 9<span class=\"_ _6\"></span>0 days p<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>eir d<span class=\"_ _6\"></span>ue da<span class=\"_ _6\"></span>te, wh<span class=\"_ _6\"></span>ich ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>int a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an is c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a58 ff55 fs3 fc2 sc0 ls5d ws84\">to be cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>red. I<span class=\"_ _6\"></span>n som<span class=\"_ _6\"></span>e circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces w<span class=\"_ _6\"></span>here l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s are bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k by the G<span class=\"_ _6\"></span>roup, t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a59 ff55 fs3 fc2 sc0 ls5d ws84\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efi<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d or or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red (\u201c<span class=\"_ _6\"></span>PO<span class=\"_ _6\"></span>CI\u201d<span class=\"_ _6\"></span>); this<span class=\"_ _6\"></span> </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5a ff55 fs3 fc2 sc0 ls12 ws16\">el<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t is th<span class=\"_ _6\"></span>erefo<span class=\"_ _6\"></span>re bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me EC<span class=\"_ _6\"></span>Ls.<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5b ff55 fs3 fc2 sc0 ls5d ws84\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ame d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>nd pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f defa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9; howeve<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, they are </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5c ff55 fs3 fc2 sc0 ls5d ws84\">ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on 12-mon<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he over<span class=\"_ _6\"></span>all ava<span class=\"_ _6\"></span>ila<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e lin<span class=\"_ _6\"></span>e of cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>evel, es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5d ff56 fs3 fc2 sc0 ls5d ws16\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ilis<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e lin<span class=\"_ _6\"></span>e of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t of de<span class=\"_ _6\"></span>faul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. The ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5e ff55 fs3 fc2 sc0 ls12 ws16\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it i<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n oth<span class=\"_ _6\"></span>er l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>n not<span class=\"_ _6\"></span>e 15.<span class=\"_ _2f2\"> </span></td></tr></table>SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns hel<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t also i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns whi<span class=\"_ _6\"></span>ch have be<span class=\"_ _6\"></span>en bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k from inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s wit<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion of co<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows. Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>ise \u00a3<span class=\"_ _6\"></span>172.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a397<span class=\"_ _b\"></span>.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>ion) of d<span class=\"_ _6\"></span>rawn a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s thro<span class=\"_ _6\"></span>ug<span class=\"_ _6\"></span>h the F<span class=\"_ _6\"></span>lexi<span class=\"_ _6\"></span>Pay pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct n<span class=\"_ _6\"></span>et of ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d credit loss<span class=\"_ _0\"></span> impairment.<span class=\"_ _2f2\"> </span>The g<span class=\"_ _6\"></span>ross p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e plu<span class=\"_ _6\"></span>s acc<span class=\"_ _6\"></span>rue<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t of S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t is \u00a3<span class=\"_ _6\"></span>4.0 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a311<span class=\"_ _6\"></span>.3 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) and dr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t is \u00a3205<span class=\"_ _6\"></span>.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>ion (2024: \u00a311<span class=\"_ _6\"></span>0.0 mill<span class=\"_ _6\"></span>ion), tot<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>ing \u00a3<span class=\"_ _6\"></span>209.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a3121.3 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion), and an a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce for exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t loss<span class=\"_ _6\"></span>es of \u00a31.<span class=\"_ _6\"></span>9 mill<span class=\"_ _6\"></span>ion (2024: <span class=\"_ _0\"></span>\u00a39.2 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) and \u00a332.2 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a312.9 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) r<span class=\"_ _0\"></span>esp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ively, <span class=\"_ _0\"></span>tot<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g \u00a334.1 <span class=\"_ _0\"></span>mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a322.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n), is hel<span class=\"_ _6\"></span>d aga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns and d<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow.<span class=\"_ _2f2\"> </span>An i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cha<span class=\"_ _6\"></span>rge of \u00a3<span class=\"_ _6\"></span>18<span class=\"_ _6\"></span>.5 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt ch<span class=\"_ _6\"></span>arge o<span class=\"_ _6\"></span>f \u00a37<span class=\"_ _b\"></span>.0 mill<span class=\"_ _6\"></span>ion) wa<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me in t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar to 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nsol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to dr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>Add<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly<span class=\"_ _0\"></span>, an expe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d credi<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t credi<span class=\"_ _6\"></span>t rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng to und<span class=\"_ _6\"></span>rawn Flex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay <span class=\"_ _0\"></span>li<span class=\"_ _6\"></span>nes of cred<span class=\"_ _6\"></span>it of \u00a30.2 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (<span class=\"_ _0\"></span>31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024: \u00a31<span class=\"_ _6\"></span>.3 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on ch<span class=\"_ _6\"></span>arge) an<span class=\"_ _6\"></span>d an ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt ch<span class=\"_ _6\"></span>arge re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed to o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>uyb<span class=\"_ _6\"></span>acks o<span class=\"_ _6\"></span>f \u00a3ni<span class=\"_ _6\"></span>l (202<span class=\"_ _0\"></span>4: \u00a30.4 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) were re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n note<span class=\"_ _6\"></span>s 15 a<span class=\"_ _6\"></span>nd 27<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span>The Grou<span class=\"_ _6\"></span>p band<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>eac<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>lo<span class=\"_ _6\"></span>an invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt at <span class=\"_ _0\"></span>or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n using an inte<span class=\"_ _6\"></span>rna<span class=\"_ _6\"></span>l risk rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>and ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>es credi<span class=\"_ _6\"></span>t loss<span class=\"_ _6\"></span>es on <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive por<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>foli<span class=\"_ _6\"></span>o <span class=\"_ _0\"></span>ba<span class=\"_ _6\"></span>sis<span class=\"_ _6\"></span> by produ<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>. Cred<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk gra<span class=\"_ _6\"></span>des are no<span class=\"_ _6\"></span>t repor<span class=\"_ _5\"></span>ted to mana<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>on an on<span class=\"_ _6\"></span>goi<span class=\"_ _6\"></span>ng bas<span class=\"_ _6\"></span>is and th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>on<span class=\"_ _6\"></span>ly bor<span class=\"_ _6\"></span>rower-spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n tha<span class=\"_ _6\"></span>t is pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd us<span class=\"_ _6\"></span>ed is p<span class=\"_ _6\"></span>ast d<span class=\"_ _6\"></span>ue s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>s. The<span class=\"_ _6\"></span>re is no s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk to s<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c ind<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>r ge<span class=\"_ _6\"></span>ogr<span class=\"_ _6\"></span>aph<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al reg<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns.<span class=\"_ _2f2\"> </span><table class=\"s w3e2 hcc\" id=\"_2c978e7c-e154-44bd-9b0a-12c80ec5eb54\"><tr><td></td><td class=\"t m0 x67b h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 </td><td class=\"t m0 x730 h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x731 h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x677 h28 y2a60 ff55 fs19 fc2 sc0 lsca wsee\">Performing<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x732 h28 y2a60 ff56 fs19 fc2 sc0 ls92 ws19c\">Underper<span class=\"_ _6\"></span>forming<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x733 h28 y2a60 ff55 fs19 fc2 sc0 lscb wsef\">Non-per<span class=\"_ _6\"></span>forming<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x734 h28 y2a60 ff55 fs19 fc2 sc0 lsc8 wsec\">POCI:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2a60 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h83 y2a61 ff54 fs19 fc2 sc0 lsca wsee\">Reconciliation of<span class=\"_ _0\"></span> opening to<span class=\"_ _0\"></span> closing<span class=\"_ _0\"></span> gross carrying amounts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a63 w3e3 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">At 1 Ja<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x736 y2a64 w3e4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls25 ws7d\">55.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x737 y2a64 w329 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls2f ws37\">2.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x738 y2a64 w3e5 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">4.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x739 y2a64 w3e6 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>4.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e3 y2a64 w3e7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls75 wsb4\">76.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a65 w3e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">New l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73a y2a65 w3e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">4<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73b y2a65 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73c y2a65 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x359 y2a65 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73d y2a65 w21d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">4<span class=\"_ _5\"></span>6<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a66 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a66 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a66 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73e y2a66 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73f y2a66 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x740 y2a66 w3ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a67 w3eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x741 y2a67 w3ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(14.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x742 y2a67 w3ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x743 y2a67 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a7 y2a67 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x744 y2a67 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a68 w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x745 y2a68 w3ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>0<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>7<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47e y2a68 w3f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x746 y2a68 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x747 y2a68 w3f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x748 y2a68 w3f2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls67 ws99\">(415<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a69 w3f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Wri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x662 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x663 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x664 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x665 y2a69 w7c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x749 y2a69 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6a w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74a y2a6a w3f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74b y2a6a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74c y2a6a w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74d y2a6a w2ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74e y2a6a w3f5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(6<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6b w3f6 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74f y2a6c w3f7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">9<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x750 y2a6c w118 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x751 y2a6c w3f8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x752 y2a6c w103 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls39 ws42\">8<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x753 y2a6c w3f9 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">121.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6d w3e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">New l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x754 y2a6d w3fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">7<span class=\"_ _6\"></span>78.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x755 y2a6d wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66d y2a6d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66e y2a6d wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x756 y2a6d w3fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">780.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6e w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a6e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f4 y2a6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x757 y2a6e w3fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x758 y2a6e we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6f w3fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x759 y2a6f w3fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75a y2a6f w3ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75b y2a6f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c5 y2a6f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75c y2a6f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a70 w3eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75d y2a70 w400 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls5 ws43\">(25.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75e y2a70 w401 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75f y2a70 w402 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x760 y2a70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x761 y2a70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a71 w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x762 y2a71 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x763 y2a71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x764 y2a71 w403 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4.6<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x765 y2a71 w404 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a72 w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x766 y2a72 w405 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls30 ws38\">(68<span class=\"_ _6\"></span>0.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x767 y2a72 w406 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(3.4<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x768 y2a72 w407 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x769 y2a72 w408 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76a y2a72 w409 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>8<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a73 w3f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Wri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x662 y2a73 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x663 y2a73 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76b y2a73 w40a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(<span class=\"_ _6\"></span>0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76c y2a73 w40b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(3<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76d y2a73 w40c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(4<span class=\"_ _5\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76e y2810 w40d h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">16<span class=\"_ _6\"></span>4.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76f y2810 w40e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">22.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x770 y2810 w40f h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls25 ws7d\">20.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x771 y2810 wb0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x772 y2810 w410 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>0<span class=\"_ _5\"></span>9.1<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w12d hcd\" id=\"_8200e214-ad78-4fcd-8dc2-ed9c818f2c6e\"><tr><td></td><td class=\"t m0 x67b h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x730 h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x731 h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x773 h28 y2a75 ff55 fs19 fc2 sc0 lsca wsee\">Performing:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x732 h28 y2a75 ff55 fs19 fc2 sc0 ls14c ws17f\">Underper<span class=\"_ _6\"></span>forming<span class=\"_ _0\"></span>:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x774 h28 y2a75 ff55 fs19 fc2 sc0 lsca wsee\">Non-per<span class=\"_ _6\"></span>forming<span class=\"_ _0\"></span>:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x734 h28 y2a75 ff55 fs19 fc2 sc0 lsc8 wsec\">POCI:<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x775 h28 y2a76 ff55 fs19 fc2 sc0 ls12 ws16\">12-m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>h EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x776 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x777 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x778 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2a76 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h83 y2a77 ff54 fs19 fc2 sc0 lsca wsee\">Reconciliation of<span class=\"_ _0\"></span> opening to<span class=\"_ _0\"></span> closing<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a78 w3e3 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 1 Ja<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x779 y2a79 w1ef h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">1.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77a y2a79 w1e8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77b y2a79 w327 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77c y2a79 w411 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls4c ws108\">13.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77d y2a79 w412 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">20<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7a w413 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t new len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed asse<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77e y2a7a w414 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">12.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77f y2a7a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d2 y2a7a w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x341 y2a7a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x780 y2a7a w414 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">12.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7b w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a7b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a7b w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73e y2a7b w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x739 y2a7b w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x781 y2a7b w3ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7c w415 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>st lo<span class=\"_ _6\"></span>ans t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfe<span class=\"_ _6\"></span>rred b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x782 y2a7c w416 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x783 y2a7c w1f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">3.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x784 y2a7c wcb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x785 y2a7c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x786 y2a7c w417 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7d w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x787 y2a7d w418 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(11<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x788 y2a7d w419 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x789 y2a7d w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78a y2a7d w2e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78b y2a7d w41a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a7e w41b hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>on d<span class=\"_ _6\"></span>erec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">wr<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ten of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a7f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78e y2a7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78f y2a7f w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x790 y2a7f w7c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a80 ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>iven </td><td class=\"c n x791 y2a81 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x792 y2a81 w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x793 y2a81 w3f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x794 y2a81 w234 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x795 y2a81 w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a82 ff56 fs3 fc2 sc0 ls3d ws47\">default assumptions<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1be y2a83 w41c hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">assets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a84 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a84 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x796 y2a84 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x797 y2a84 w41d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x798 y2a84 w2ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a85 w3f6 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x799 y2a86 w41e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79a y2a86 w41f h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79b y2a86 w420 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">9.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79c y2a86 w421 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls6c wsf9\">8.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79d y2a86 w422 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a87 w413 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t new len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed asse<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79e y2a87 w3c9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">2<span class=\"_ _6\"></span>1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73b y2a87 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73c y2a87 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79f y2a87 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a0 y2a87 w423 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls71 ws7e\">22.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a88 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a88 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f4 y2a88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x757 y2a88 w3fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x758 y2a88 we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f1 w3fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a1 y29f1 w424 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a2 y29f1 w425 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">3.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x28f y29f1 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a3 y29f1 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a4 y29f1 w377 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a89 w426 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t loa<span class=\"_ _6\"></span>ns tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d bet<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a5 y2a89 w164 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a6 y2a89 w427 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">6.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a7 y2a89 w265 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">8<span class=\"_ _6\"></span>.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2a89 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a8 y2a89 w428 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>4.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a8a w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a9 y2a8a w429 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7aa y2a8a w42a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(1<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ab y2a8a w42b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ac y2a8a w42c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ad y2a8a w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>2<span class=\"_ _5\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a8b w41b hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>on d<span class=\"_ _6\"></span>erec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">wr<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ten of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a8c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a8c w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ae y2a8c w42d h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7af y2a8c w42e h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls81 wsad\">(3.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b0 y2a8c w42f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a8d w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x762 y2a8d w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b1 y2a8d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a8d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x764 y2a8d w403 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4.6<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x765 y2a8d w404 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a8e ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>iven </td><td class=\"c n x791 y2a8f w430 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">3.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b2 y2a8f w431 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(5.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b3 y2a8f w21e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">2.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b4 y2a8f w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b5 y2a8f w432 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">1.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a90 ff56 fs3 fc2 sc0 ls3d ws47\">default assumptions<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x688 y2810 w433 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">8<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b6 y2810 w434 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls81 wsad\">4.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b7 y2810 w435 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">20.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b8 y2810 w436 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2a ws39\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b9 y2810 w437 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table>The to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of un<span class=\"_ _6\"></span>disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ted EC<span class=\"_ _6\"></span>Ls at i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n on f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts in<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r whi<span class=\"_ _6\"></span>ch are ca<span class=\"_ _6\"></span>teg<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as PO<span class=\"_ _6\"></span>CI as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s was \u00a3<span class=\"_ _6\"></span>nil (2024: \u00a3nil).<span class=\"_ _2f2\"> </span><table class=\"s w438 hcf\" id=\"_8484a22d-9903-4659-8628-7f12193d76b4\"><tr><td></td><td></td><td></td><td class=\"t m1 x7ba h28 y2a91 ff56 fs19 fc2 sc0 lsc9 wsed\">Gross<span class=\"_ _0\"></span> lines<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x7bb h28 y2a92 ff56 fs19 fc2 sc0 ls12 ws16\">of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1af h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>sis f<span class=\"_ _6\"></span>or<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bc h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bd h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">Prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on fo<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7be h28 y2a94 ff56 fs19 fc2 sc0 ls141 ws174\">Expected<span class=\"_ _0\"></span> credit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bf h28 y2a94 ff56 fs19 fc2 sc0 lsc9 wsed\">recognition of<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bb h28 y2a94 ff56 fs19 fc2 sc0 ls12 ws16\">at a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c0 h28 y2a94 ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c1 h28 y2a94 ff56 fs19 fc2 sc0 lsca wsee\">Net carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x7c2 h28 y2a95 ff56 fs19 fc2 sc0 lsd2 wsf6\">los<span class=\"_ _6\"></span>s cover<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a95 ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>redit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6db h28 y2a95 ff56 fs19 fc2 sc0 ls136 ws165\">cost<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1b1 h28 y2a95 ff56 fs19 fc2 sc0 ls12 ws16\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c3 h28 y2a95 ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x7c4 h28 y2a96 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a96 ff56 fs19 fc2 sc0 lsc9 wsed\">loss impairment<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c5 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c6 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c7 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 hd y2a97 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _a6\"> </span><span class=\"ff56\"> <span class=\"_ _173\"> </span> <span class=\"_ _87\"> </span> <span class=\"_ _11f\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a00 w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7c8 y2a00 w41e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7c9 y2a00 w43a h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">12<span class=\"_ _0\"></span>-m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>h ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ca y2a00 w43b h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">9<span class=\"_ _5\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cb y2a00 w43c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(2.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cc y2a00 w43d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">9<span class=\"_ _6\"></span>6.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a01 w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cd y2a01 w43f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">43.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ce y2a01 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cf y2a01 w118 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d0 y2a01 w441 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d1 y2a01 wd9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2805 w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d2 y2805 w18b h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d3 y2805 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d4 y2805 w3f8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d5 y2805 w443 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d6 y2805 w1e8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a02 w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d7 y2a02 w445 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">98.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d8 y2a02 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime E<span class=\"_ _6\"></span>CL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d9 y2a02 w103 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">8<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7da y2a02 w2eb h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(8<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7db y2a02 we8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7dc y2a98 w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7dd y2a98 w3f9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">121.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7de y2a98 w446 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(22.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x640 y2a98 w447 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">99.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m1 x1b9 hd y2a99 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _18f\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _173\"> </span> <span class=\"_ _9a\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _9a\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y295e w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7df y295e w448 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e0 y295e w449 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd4 wsf8\">12-month<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e1 y295e w44a h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>4.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x636 y295e w44b h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e2 y295e w44c h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>56.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285e w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e3 y285e w44d h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">2<span class=\"_ _6\"></span>1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e4 y285e w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e5 y285e w44f h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">22.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e6 y285e w450 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.8<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e7 y285e w335 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e8 y287f w451 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">9<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e9 y287f w452 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ea y287f w40f h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">20.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7eb y287f w453 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(<span class=\"_ _6\"></span>20.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ec y287f w3c1 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ed y280d w454 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">83.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e4 y280d w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ee y280d wb0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ef y280d w455 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2a ws39\">(1<span class=\"_ _6\"></span>.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f0 y280d w2a0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f1 y280f w456 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls167 ws19e\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f2 y280f w351 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _5\"></span>0<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f3 y280f w293 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>3<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f4 y280f w457 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">175.0<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w458 hd0\" id=\"_2e9a3642-c0dc-4c6f-9c7f-946c75854bcf\"><tr><td></td><td></td><td class=\"t m1 x6c9 h28 y2a9a ff55 fs19 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>sis f<span class=\"_ _6\"></span>or<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m1 x5b2 h28 y2a9a ff55 fs19 fc2 sc0 ls12 ws16\">Prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on fo<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x37e h28 y2a9b ff56 fs19 fc2 sc0 ls141 ws174\">Expected<span class=\"_ _0\"></span> credit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bf h28 y2a9b ff56 fs19 fc2 sc0 lsc9 wsed\">recognition of<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7ba h28 y2a9b ff56 fs19 fc2 sc0 lsc9 wsed\">Gross<span class=\"_ _0\"></span> lines<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x548 h28 y2a9b ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c1 h28 y2a9b ff56 fs19 fc2 sc0 lsca wsee\">Net carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x6d6 h28 y2a9c ff56 fs19 fc2 sc0 lsd2 wsf6\">los<span class=\"_ _6\"></span>s cover<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a9c ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>redit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f5 h28 y2a9c ff56 fs19 fc2 sc0 ls12 ws16\">of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x372 h28 y2a9c ff56 fs19 fc2 sc0 ls12 ws16\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f6 h28 y2a9c ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 h28 y2a9d ff55 fs19 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>f whi<span class=\"_ _6\"></span>ch i<span class=\"_ _6\"></span>s dra<span class=\"_ _6\"></span>wn Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f7 h28 y2a9d ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f8 h28 y2a9d ff56 fs19 fc2 sc0 lsc9 wsed\">loss impairment<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1ad h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1ae h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1bd h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 hd y2a9e ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _139\"> </span><span class=\"ff56\"> <span class=\"_ _54\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _69\"> </span> <span class=\"_ _87\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a00 w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f9 y2a00 w41e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fa y2a00 w459 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">12-mo<span class=\"_ _6\"></span>nth E<span class=\"_ _6\"></span>CL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fb y2a00 w45a h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fc y2a00 w45b h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(2.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x24a y2a00 w45c h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">9<span class=\"_ _6\"></span>4.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a01 w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fd y2a01 w45d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">43.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fe y2a01 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ff y2a01 w118 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x800 y2a01 w441 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x801 y2a01 wd9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2805 w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x802 y2805 w10a h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">89.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x803 y2805 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">L<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x804 y2805 wa8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x805 y2805 w22c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">(8.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x806 y2805 w32d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a9f w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x807 y2a9f w106 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x808 y2a9f w45e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Life<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56c y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x809 y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80a y2a98 w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80b y2a98 w45f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>10.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80c y2a98 w460 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(12<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80d y2a98 w461 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m1 x1b9 hd y2aa0 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _138\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _7d\"> </span> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y295e w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80e y295e w462 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80f y295e w463 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd4 wsf8\">12<span class=\"_ _0\"></span>-month<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x542 y295e w2c0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x810 y295e w464 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2a ws39\">(8.0<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x811 y295e w1f9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>54<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285e w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x812 y285e w465 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">21.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x813 y285e w466 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x814 y285e w467 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">22<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x815 y285e w404 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x816 y285e w468 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x817 y287f w451 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">9<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x818 y287f w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Life<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x819 y287f w469 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">19.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81a y287f w46a h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(1<span class=\"_ _6\"></span>9.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81b y287f w2a0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81c y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81d y28e0 w46b h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">L<span class=\"_ _6\"></span>ifet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x325 y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81e y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81f y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x820 y280f w139 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls167 ws19e\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x821 y280f w46c h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>0<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x35f y280f w46d h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(32<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x822 y280f wbb h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172.9<span class=\"_ _2f2\"> </span></div></td></tr></table>The R<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>nd Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>ce fu<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p mon<span class=\"_ _6\"></span>ito<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>man<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late t<span class=\"_ _6\"></span>he EC<span class=\"_ _6\"></span>L es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ired fo<span class=\"_ _6\"></span>r fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g pur<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>ses. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e teams re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t to t<span class=\"_ _6\"></span>he Ch<span class=\"_ _6\"></span>ief Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial O<span class=\"_ _6\"></span>f<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>er (\u201cC<span class=\"_ _6\"></span>FO\u201d<span class=\"_ _6\"></span>) and C<span class=\"_ _6\"></span>hie<span class=\"_ _6\"></span>f Ris<span class=\"_ _6\"></span>k O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>icer (\u201c<span class=\"_ _6\"></span>CR<span class=\"_ _6\"></span>O\u201d). Dis<span class=\"_ _6\"></span>cus<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns of es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes, p<span class=\"_ _6\"></span>roces<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re hel<span class=\"_ _6\"></span>d regu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>rly at B<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce S<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et an<span class=\"_ _6\"></span>d Valu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on C<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tee me<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>gs al<span class=\"_ _6\"></span>ong w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h re<span class=\"_ _6\"></span>gul<span class=\"_ _6\"></span>ar up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>tes prov<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he Aud<span class=\"_ _6\"></span>it C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>e.<span class=\"_ _2f2\"> </span>The a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce for ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>res es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to ass<span class=\"_ _6\"></span>ess i<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l loa<span class=\"_ _6\"></span>ns or w<span class=\"_ _6\"></span>hen a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lyi<span class=\"_ _6\"></span>ng s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s for co<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tive a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ssm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s pa<span class=\"_ _6\"></span>st ex<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>nce of h<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>l de<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>enci<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>, as wel<span class=\"_ _6\"></span>l as for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd-<span class=\"_ _6\"></span>loo<span class=\"_ _6\"></span>ki<span class=\"_ _6\"></span>ng in<span class=\"_ _6\"></span>form<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n the fo<span class=\"_ _6\"></span>rm of ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s govern<span class=\"_ _6\"></span>ed by a Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce Sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t and Valu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>tee<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>ch ob<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ins ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>uch as ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ges in i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ates, G<span class=\"_ _6\"></span>DP<span class=\"_ _b\"></span>, ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ates, u<span class=\"_ _6\"></span>nem<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt and i<span class=\"_ _6\"></span>nfl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red fo<span class=\"_ _6\"></span>r inc<span class=\"_ _6\"></span>orp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>nto sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>os an<span class=\"_ _6\"></span>d prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wei<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>ed. Th<span class=\"_ _6\"></span>ese s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ios are u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed to d<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ive an a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t to th<span class=\"_ _6\"></span>e PD pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>, to refl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he im<span class=\"_ _6\"></span>pac<span class=\"_ _6\"></span>t of fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward<span class=\"_ _6\"></span>-lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on on t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g PD pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ions es<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>she<span class=\"_ _6\"></span>d fro<span class=\"_ _6\"></span>m his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al exp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>ce.<span class=\"_ _2f2\"> </span>Key cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es to ma<span class=\"_ _6\"></span>cr<span class=\"_ _6\"></span>o sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d in 20<span class=\"_ _6\"></span>25 UK-spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>ta is o<span class=\"_ _6\"></span>bt<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ned f<span class=\"_ _6\"></span>rom a t<span class=\"_ _6\"></span>hird p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty e<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ics p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>er. A numb<span class=\"_ _6\"></span>er of d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a po<span class=\"_ _6\"></span>int<span class=\"_ _6\"></span>s were ob<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d by Fundi<span class=\"_ _6\"></span>ng C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e incl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing G<span class=\"_ _6\"></span>DP<span class=\"_ _b\"></span>, rea<span class=\"_ _6\"></span>l es<span class=\"_ _6\"></span>tat<span class=\"_ _6\"></span>e pri<span class=\"_ _6\"></span>ces, r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k<span class=\"_ _0\"></span>-fre<span class=\"_ _6\"></span>e ra<span class=\"_ _6\"></span>tes, an<span class=\"_ _6\"></span>d un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s, amo<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>. The Gro<span class=\"_ _6\"></span>up now u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses U<span class=\"_ _6\"></span>K une<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>loyme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate an<span class=\"_ _6\"></span>d GD<span class=\"_ _6\"></span>P as th<span class=\"_ _6\"></span>e sel<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t var<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s, wi<span class=\"_ _6\"></span>th h<span class=\"_ _6\"></span>isto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>lly o<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ved coe<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>ese va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es prov<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ng im<span class=\"_ _6\"></span>proved p<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tive v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of ins<span class=\"_ _6\"></span>olve<span class=\"_ _6\"></span>ncy u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g tec<span class=\"_ _6\"></span>hni<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red to un<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ploy<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t al<span class=\"_ _6\"></span>one w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h was us<span class=\"_ _6\"></span>ed p<span class=\"_ _6\"></span>reviou<span class=\"_ _6\"></span>sly. The Gro<span class=\"_ _6\"></span>up prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>sly a<span class=\"_ _6\"></span>lso u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed u<span class=\"_ _6\"></span>psi<span class=\"_ _6\"></span>de, do<span class=\"_ _6\"></span>wnsi<span class=\"_ _6\"></span>de a<span class=\"_ _6\"></span>nd ba<span class=\"_ _6\"></span>sel<span class=\"_ _6\"></span>ine proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons f<span class=\"_ _6\"></span>rom th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ics p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>er for ea<span class=\"_ _6\"></span>ch mac<span class=\"_ _6\"></span>ro vari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>t. The G<span class=\"_ _6\"></span>roup u<span class=\"_ _6\"></span>pda<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>ts ap<span class=\"_ _6\"></span>pro<span class=\"_ _6\"></span>ach to us<span class=\"_ _6\"></span>e base<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons of ma<span class=\"_ _6\"></span>cro va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e inp<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>s fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>mic<span class=\"_ _6\"></span>s provi<span class=\"_ _6\"></span>der, and in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly ge<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>rate t<span class=\"_ _6\"></span>wo a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ios u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ing a c<span class=\"_ _6\"></span>yclic<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y in<span class=\"_ _6\"></span>dex (\u201cC<span class=\"_ _6\"></span>I\u201d<span class=\"_ _6\"></span>) ap<span class=\"_ _6\"></span>pro<span class=\"_ _6\"></span>ach wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>s a mea<span class=\"_ _6\"></span>sure of w<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>omy si<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cred<span class=\"_ _6\"></span>it c<span class=\"_ _6\"></span>ycle a<span class=\"_ _6\"></span>t a give<span class=\"_ _6\"></span>n poi<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n tim<span class=\"_ _6\"></span>e. The b<span class=\"_ _6\"></span>ase ca<span class=\"_ _6\"></span>se ma<span class=\"_ _6\"></span>cro var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>ble i<span class=\"_ _6\"></span>np<span class=\"_ _6\"></span>ut fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>s provi<span class=\"_ _6\"></span>der a<span class=\"_ _6\"></span>re use<span class=\"_ _6\"></span>d to de<span class=\"_ _6\"></span>rive a fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast o<span class=\"_ _6\"></span>f CI rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive to CI a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>eet d<span class=\"_ _6\"></span>ate. T<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>wo ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s are de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by se<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>nfi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nce i<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>als o<span class=\"_ _6\"></span>r sever<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s from t<span class=\"_ _6\"></span>he his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al C<span class=\"_ _6\"></span>I dis<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span>Previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly th<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>ree sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>os were we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted 3<span class=\"_ _6\"></span>0% down<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>e, 60% b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e and 1<span class=\"_ _6\"></span>0% ups<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>e. The p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y weig<span class=\"_ _6\"></span>ht<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ted to th<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>ios a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 has b<span class=\"_ _6\"></span>een u<span class=\"_ _6\"></span>pd<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to refl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he CI over t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>. Info<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to the m<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>roec<span class=\"_ _6\"></span>ono<span class=\"_ _6\"></span>mic d<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>vers u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n crea<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ngs a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rib<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ted to t<span class=\"_ _6\"></span>he sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>ios i<span class=\"_ _6\"></span>s ill<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ated b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span><table class=\"s w46e hd1\" id=\"_83a1548c-6463-40e0-bf24-cdf35b8f17fa\"><tr><td class=\"t m0 x250 h28 y2aa1 ff55 fs19 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>cro<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>c dr<span class=\"_ _6\"></span>ive<span class=\"_ _6\"></span>rs (ave<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ge </td><td></td><td class=\"t m0 x823 h28 y2aa1 ff56 fs19 fc2 sc0 ls12 ws16\">2026<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x824 h28 y2aa1 ff55 fs19 fc2 sc0 lsce wsf1\">2027<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x524 h28 y2aa1 ff56 fs19 fc2 sc0 lseb ws110\">2028<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x825 h28 y2aa1 ff56 fs19 fc2 sc0 lsce wsf1\">2029<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x523 h28 y2aa1 ff56 fs19 fc2 sc0 lsce wsf1\">203<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2aa2 w46f h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">for t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>st ye<span class=\"_ _6\"></span>ar)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x826 y2aa2 w470 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L sc<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>io<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x827 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x828 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67a h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x829 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x82a h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28f5 w471 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Unemployment rat<span class=\"_ _0\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82b y28f5 w17b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82c y28f5 w472 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2f ws37\">5.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82d y28f5 w473 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82e y28f5 w327 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82f y28f5 w474 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">4.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x830 y28f5 w36 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w475 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x831 y28b9 w476 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>se c<span class=\"_ _6\"></span>ase<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x832 y28b9 w477 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">3.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x833 y28b9 w13f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x834 y28b9 w478 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x835 y28b9 w479 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y28b9 w47a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">2.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w47b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">GD<span class=\"_ _6\"></span>P Y<span class=\"_ _b\"></span>o<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x836 y280f w47c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Base c<span class=\"_ _6\"></span>ase<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x837 y280f w331 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x838 y280f wb1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x839 y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83a y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83b y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td></tr></table>Un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>s forec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t to pe<span class=\"_ _6\"></span>ak at 5<span class=\"_ _6\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>% du<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e hike in e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyers<span class=\"_ _6\"></span>\u2019 NIC<span class=\"_ _6\"></span>s and t<span class=\"_ _6\"></span>he N<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al Li<span class=\"_ _6\"></span>vin<span class=\"_ _6\"></span>g Wage, b<span class=\"_ _6\"></span>efo<span class=\"_ _6\"></span>re gra<span class=\"_ _6\"></span>dua<span class=\"_ _6\"></span>lly recove<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g towa<span class=\"_ _6\"></span>rds a lo<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>-ru<span class=\"_ _6\"></span>n level o<span class=\"_ _6\"></span>f c.4<span class=\"_ _0\"></span>%.<span class=\"_ _2f2\"> </span>The r<span class=\"_ _6\"></span>isk-f<span class=\"_ _6\"></span>ree ra<span class=\"_ _6\"></span>te is exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>o redu<span class=\"_ _6\"></span>ce as b<span class=\"_ _6\"></span>ase r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>re cut g<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>dua<span class=\"_ _6\"></span>lly.<span class=\"_ _2f2\"> </span>GD<span class=\"_ _6\"></span>P grow<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h in t<span class=\"_ _6\"></span>he ne<span class=\"_ _6\"></span>ar te<span class=\"_ _6\"></span>rm in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes fi<span class=\"_ _6\"></span>sc<span class=\"_ _6\"></span>al lo<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g ann<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he 2025 UK g<span class=\"_ _6\"></span>overn<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t bud<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>t and t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ron<span class=\"_ _6\"></span>t loa<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng of so<span class=\"_ _6\"></span>me c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al sp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g, be<span class=\"_ _6\"></span>fore rever<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g to a lon<span class=\"_ _6\"></span>g-<span class=\"_ _6\"></span>run ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e of c.1.5%.<span class=\"_ _2f2\"> </span><table class=\"s w47d hd2\" id=\"_69659740-7e71-4850-a7d4-84d28403b8e6\"><tr><td></td><td class=\"t m0 x41a h28 y2aa4 ff53 fs19 fc3 sc0 lsdb ws103\">Probability w<span class=\"_ _0\"></span>eighting<span class=\"_ _0\"></span> applied at<span class=\"_ _0\"></span> <span class=\"ls12 ws16\"> </span></td><td class=\"t m0 x51e h28 y2aa4 ff55 fs19 fc2 sc0 lsc9 wsed\">Probability weighting applied<span class=\"_ _0\"></span> at <span class=\"ff56 ls12 ws16\"> </span></td></tr><tr><td></td><td class=\"t m0 x83c h28 y2aa5 ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025  </td><td class=\"t m0 x683 h28 y2aa5 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>024 <span class=\"ff56\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2aa6 ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>o<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x473 h28 y2aa6 ff53 fs19 fc3 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x82a h28 y2aa6 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28b8 w17b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>se<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83d y28b8 w47e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2a ws39\">70<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83e y28b8 w47f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd9 ws65\">60<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w181 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd4 wsf8\">Upside<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83f y28b9 wd3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">15<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x840 y28b9 w132 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">10<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w188 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">Downside<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x841 y280f w480 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">15<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x291 y280f w481 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd9 ws65\">30<span class=\"_ _2f2\"> </span></div></td></tr></table>A se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to th<span class=\"_ _6\"></span>ese as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s on t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>ed ECL i<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n note 2.<span class=\"_ _2f2\"> </span>Cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk q<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of li<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>s of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ive m<span class=\"_ _6\"></span>ovemen<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re sin<span class=\"_ _6\"></span>ce or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on in i<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>ave met t<span class=\"_ _6\"></span>he SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on.<span class=\"_ _2f2\"> </span>The fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>ble i<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes t<span class=\"_ _6\"></span>he cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k qu<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et of EC<span class=\"_ _6\"></span>L by pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re bra<span class=\"_ _6\"></span>cket for e<span class=\"_ _6\"></span>ach st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e as at t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et da<span class=\"_ _6\"></span>te. <table class=\"s w482 hd3\" id=\"_e0971fda-8b0f-4021-adbb-4171dd7ce164\"><tr><td></td><td></td><td class=\"t m0 x685 h28 y2aa7 ff53 fs19 fc3 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ry<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x842 h28 y2aa8 ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x843 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x685 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x844 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24e h28 y2aa9 ff53 fs19 fc3 sc0 lsc8 wsec\">POCI<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x523 h28 y2aa9 ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2aaa ff55 fs19 fc2 sc0 lsca wsee\">Risk banding<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x524 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2902 w483 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Higher risk<span class=\"_ _0\"></span> banding<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x845 y2902 w484 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">4<span class=\"_ _6\"></span>8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x846 y2902 wab h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">1<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x847 y2902 w3c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x848 y2902 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x849 y2902 w2bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">66.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w485 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Me<span class=\"_ _6\"></span>diu<span class=\"_ _6\"></span>m ris<span class=\"_ _6\"></span>k ba<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84a y2860 w486 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">51<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84b y2860 w487 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84c y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84d y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84e y2860 w488 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls24 ws2c\">51.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w489 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lower r<span class=\"_ _6\"></span>isk b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ing<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84f y2861 w208 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">54.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x850 y2861 w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x851 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x852 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x853 y2861 w48a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">5<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w268 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsec ws111\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x854 y2810 w48b h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>54<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x855 y2810 w468 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x856 y2810 w2a0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x857 y2810 w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x858 y2810 w25e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>72.9<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w48c hd4\" id=\"_39cebbb3-6a2e-4317-a3e1-2ea108f3a658\"><tr><td></td><td></td><td class=\"t m1 x859 h28 y2aab ff55 fs19 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ne<span class=\"_ _6\"></span>t ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1b9 h28 y2aac ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>024<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x2ac h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1af h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f5 h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a1 h28 y2aad ff55 fs19 fc2 sc0 lsc8 wsec\">POCI<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85a h28 y2aad ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 h28 y2aae ff55 fs19 fc2 sc0 lsca wsee\">Risk banding<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85b h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6da h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6db h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85c h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x407 h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y285e w483 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Higher risk<span class=\"_ _0\"></span> banding<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85d y285e w48d h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85e y285e w48e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85f y285e w161 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x860 y285e w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x861 y285e w48f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">39.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w485 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Me<span class=\"_ _6\"></span>diu<span class=\"_ _6\"></span>m ris<span class=\"_ _6\"></span>k ba<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x862 y287f w490 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">2<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x863 y287f w491 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x864 y287f w2ab h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x865 y287f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x866 y287f w492 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls77 ws7c\">28.<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w489 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lower r<span class=\"_ _6\"></span>isk b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ing<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x867 y280d w31f h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">29.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x868 y280d w1a1 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x869 y280d w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86a y280d w22 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86b y280d w493 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">29.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86c y280f w494 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">94.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86d y280f w495 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86e y280f w1e8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86f y280f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x870 y280f w34c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr></table>Credit risk associated with other financia<span class=\"_ _6\"></span>l assets<span class=\"_ _2f2\"> </span>SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s rela<span class=\"_ _6\"></span>te to th<span class=\"_ _6\"></span>e un<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>lyi<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>l of SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>gac<span class=\"_ _6\"></span>y ware<span class=\"_ _6\"></span>hou<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd SPVs t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>ave sin<span class=\"_ _6\"></span>ce be<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>urcha<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>r nova<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>nto ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es, bu<span class=\"_ _6\"></span>t rem<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n hel<span class=\"_ _6\"></span>d at F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss mo<span class=\"_ _6\"></span>del o<span class=\"_ _6\"></span>f ho<span class=\"_ _6\"></span>ldi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he lo<span class=\"_ _6\"></span>ans fo<span class=\"_ _6\"></span>r sa<span class=\"_ _6\"></span>le. Ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>lly, loa<span class=\"_ _6\"></span>ns or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion of s<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g onwa<span class=\"_ _6\"></span>rds are i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>his c<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>go<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e rece<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he invoi<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>d amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of s<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g fees d<span class=\"_ _6\"></span>ue f<span class=\"_ _6\"></span>rom in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l invest<span class=\"_ _6\"></span>ors. T<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial los<span class=\"_ _6\"></span>s is de<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ed m<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>mal b<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e cou<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies are we<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>-es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>On<span class=\"_ _6\"></span>goi<span class=\"_ _6\"></span>ng cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t eva<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on is p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ed on t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d, whe<span class=\"_ _6\"></span>re ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate, a prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on for exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s is rec<span class=\"_ _6\"></span>orde<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>div<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al r<span class=\"_ _6\"></span>isk l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r ban<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns are se<span class=\"_ _6\"></span>t by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p wi<span class=\"_ _6\"></span>th refe<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>ce to ex<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g age<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>es. T<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s T<span class=\"_ _0\"></span>reasur<span class=\"_ _6\"></span>y Po<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>cy has s<span class=\"_ _6\"></span>et l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd qu<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup mu<span class=\"_ _6\"></span>st re<span class=\"_ _6\"></span>mai<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in. N<span class=\"_ _6\"></span>o cred<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r cou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts we<span class=\"_ _6\"></span>re excee<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year. The Gro<span class=\"_ _6\"></span>up\u2019s c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s sp<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t by S&amp;<span class=\"_ _6\"></span>P cou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rpa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng we<span class=\"_ _6\"></span>re A<span class=\"_ _6\"></span>/A- rate<span class=\"_ _6\"></span>d: \u00a367<span class=\"_ _b\"></span>.7 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a351.4 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on), A<span class=\"_ _0\"></span>+ or b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r ra<span class=\"_ _6\"></span>ted: \u00a3<span class=\"_ _6\"></span>84.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a313<span class=\"_ _6\"></span>6.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on), and be<span class=\"_ _6\"></span>low A- r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d: \u00a3ni<span class=\"_ _6\"></span>l (202<span class=\"_ _0\"></span>4: \u00a3ni<span class=\"_ _6\"></span>l)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-467": {
   "value": "An ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s all<span class=\"_ _6\"></span>owan<span class=\"_ _6\"></span>ce rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>n the Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct of \u00a3<span class=\"_ _6\"></span>2.5 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a32.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) is he<span class=\"_ _6\"></span>ld w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin p<span class=\"_ _6\"></span>rovis<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es. T<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s m<span class=\"_ _6\"></span>axi<span class=\"_ _6\"></span>mum ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ure to cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk on t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t if t<span class=\"_ _6\"></span>hey were a<span class=\"_ _6\"></span>ll to be f<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ly dr<span class=\"_ _6\"></span>awn wou<span class=\"_ _6\"></span>ld b<span class=\"_ _6\"></span>e \u00a344<span class=\"_ _6\"></span>6.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a3278.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on). The Gro<span class=\"_ _6\"></span>up has t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y t<span class=\"_ _6\"></span>o freeze, red<span class=\"_ _6\"></span>uce o<span class=\"_ _6\"></span>r wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>draw li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t as a w<span class=\"_ _6\"></span>ay of man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ing as<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk.<span class=\"_ _2f2\"> </span>Cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ates w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>s he<span class=\"_ _6\"></span>ld at a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span>Un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up is re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>red to p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>e for l<span class=\"_ _6\"></span>oans m<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r the ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s (\u201c<span class=\"_ _6\"></span>ECL<span class=\"_ _b\"></span>\u201d) mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>. The i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t rel<span class=\"_ _6\"></span>ated t<span class=\"_ _6\"></span>o eac<span class=\"_ _6\"></span>h loa<span class=\"_ _6\"></span>n is ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ECL<span class=\"_ _6\"></span>s asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ted w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>hat l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n in th<span class=\"_ _6\"></span>e nex<span class=\"_ _6\"></span>t 12 mon<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>s unl<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n a sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk of t<span class=\"_ _6\"></span>hat l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n sin<span class=\"_ _6\"></span>ce or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on. Th<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>low f<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>ors a<span class=\"_ _6\"></span>re use<span class=\"_ _6\"></span>d in estimating the impairment:<span class=\"_ _2f2\"> </span><table class=\"s w3ce hc8\" id=\"_0d98c2d5-6834-449a-a9d1-21e6e180ff8e\"><tr><td class=\"c n x1be y2a25 w3cf hc9\"><div class=\"t m0 x1b5 h83 y27ae ff54 fs19 fc2 sc0 lsce wsf1\">Fac<span class=\"_ _6\"></span>tor<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x725 y2a25 w3d0 hc9\"><div class=\"t m0 x1b5 h83 y27ae ff54 fs19 fc2 sc0 lsfc ws124\">Descri<span class=\"_ _6\"></span>ption<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a26 ff55 fs3 fc2 sc0 ls12 ws16\">Prob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of </td><td class=\"t m0 x726 h5 y2a26 ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d PD mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s ta<span class=\"_ _6\"></span>ilo<span class=\"_ _6\"></span>red to e<span class=\"_ _6\"></span>ach T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an or l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t to ass<span class=\"_ _6\"></span>ess t<span class=\"_ _6\"></span>he </td></tr><tr><td class=\"t m0 x1b9 h5 y2a27 ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t (\u201c<span class=\"_ _6\"></span>PD\u201d<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a27 ff55 fs3 fc2 sc0 ls12 ws16\">li<span class=\"_ _6\"></span>kelih<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>d of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>ex<span class=\"_ _6\"></span>t 12 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs and ove<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me. Th<span class=\"_ _6\"></span>e mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s es<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>ate PD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tors </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a28 ff55 fs3 fc2 sc0 ls12 ws16\">in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e late<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ehav<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>r of th<span class=\"_ _6\"></span>e cus<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>ers, c<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>erci<span class=\"_ _6\"></span>al, co<span class=\"_ _6\"></span>nsu<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>nd co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a29 ff55 fs3 fc2 sc0 ls12 ws16\">cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t dat<span class=\"_ _6\"></span>a sh<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ing (\u201c<span class=\"_ _6\"></span>CC<span class=\"_ _6\"></span>DS\u201d<span class=\"_ _6\"></span>) da<span class=\"_ _6\"></span>ta p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>. The PD m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el al<span class=\"_ _6\"></span>so in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s an </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a2a ff56 fs3 fc2 sc0 ls12 ws16\">es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate o<span class=\"_ _6\"></span>f the ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>ic ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a2b ff56 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xpo<span class=\"_ _6\"></span>sure a<span class=\"_ _6\"></span>t </td><td class=\"t m0 x726 h5 y2a2b ff56 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d an E<span class=\"_ _6\"></span>AD m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el for l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ts to as<span class=\"_ _6\"></span>ses<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e likel<span class=\"_ _6\"></span>y exp<span class=\"_ _6\"></span>osure a<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. </td></tr><tr><td class=\"t m0 x1b9 h5 y2a2c ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t (\u201c<span class=\"_ _6\"></span>E<span class=\"_ _6\"></span>AD\u201d<span class=\"_ _6\"></span>) </td><td class=\"t m0 x726 h5 y2a2c ff55 fs3 fc2 sc0 ls12 ws16\">The m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>tes es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tes of E<span class=\"_ _6\"></span>AD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d up<span class=\"_ _6\"></span>on t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>t paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t beh<span class=\"_ _6\"></span>avio<span class=\"_ _6\"></span>ur of t<span class=\"_ _6\"></span>he cu<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>mer, the c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a2d ff55 fs3 fc2 sc0 ls12 ws16\">li<span class=\"_ _6\"></span>mit u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n, an<span class=\"_ _6\"></span>d proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>isa<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on at d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved h<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tori<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a2e ff55 fs3 fc2 sc0 ls70 ws74\">Loss gi<span class=\"_ _6\"></span>ven def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t </td><td class=\"t m0 x726 h5 y2a2e ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has deve<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD m<span class=\"_ _6\"></span>ode<span class=\"_ _6\"></span>ls t<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ore<span class=\"_ _6\"></span>d to eac<span class=\"_ _6\"></span>h T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>n or li<span class=\"_ _6\"></span>ne of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct to a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ss t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>kely </td></tr><tr><td class=\"t m0 x1b9 h5 y2a2f ff55 fs3 fc2 sc0 ls27 ws69\">(\u201c<span class=\"_ _5\"></span>LG<span class=\"_ _6\"></span>D\u201d<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a2f ff55 fs3 fc2 sc0 ls12 ws16\">fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l los<span class=\"_ _6\"></span>s gi<span class=\"_ _6\"></span>ven an a<span class=\"_ _6\"></span>ccou<span class=\"_ _6\"></span>nt d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ates of LGD b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on hi<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cal d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a on </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a30 ff55 fs3 fc2 sc0 ls12 ws16\">obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d acco<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a31 w3d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Discount rat<span class=\"_ _0\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x727 y2a31 w3d2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p use<span class=\"_ _6\"></span>s acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t-leve<span class=\"_ _6\"></span>l ef<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te whi<span class=\"_ _6\"></span>ch is c<span class=\"_ _6\"></span>alc<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on l<span class=\"_ _6\"></span>ine o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt o<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a32 ff55 fs3 fc2 sc0 ls12 ws16\">lo<span class=\"_ _6\"></span>an am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t, i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st a<span class=\"_ _6\"></span>nd fee<span class=\"_ _6\"></span>s, exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted re<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng pre<span class=\"_ _6\"></span>paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d ter<span class=\"_ _6\"></span>m.<span class=\"_ _2f2\"> </span></td></tr></table>Model change<span class=\"_ _0\"></span>s sinc<span class=\"_ _0\"></span>e 3<span class=\"_ _0\"></span>1 December<span class=\"_ _0\"></span> 20<span class=\"_ _0\"></span>24<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has ref<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>ts EC<span class=\"_ _6\"></span>L mo<span class=\"_ _6\"></span>del m<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>log<span class=\"_ _6\"></span>y sin<span class=\"_ _6\"></span>ce 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024. The key chan<span class=\"_ _6\"></span>ges a<span class=\"_ _6\"></span>re as ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow. The ove<span class=\"_ _6\"></span>ral<span class=\"_ _6\"></span>l imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>tes on a l<span class=\"_ _6\"></span>ike-fo<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-l<span class=\"_ _6\"></span>ike bas<span class=\"_ _6\"></span>is wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>us me<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>olo<span class=\"_ _6\"></span>gy is n<span class=\"_ _6\"></span>ot m<span class=\"_ _6\"></span>ater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l to th<span class=\"_ _6\"></span>e overal<span class=\"_ _6\"></span>l ECL f<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ure; however, it res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts in a l<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ropo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces in s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>age 2 c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>are<span class=\"_ _6\"></span>d to st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 bu<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th a l<span class=\"_ _6\"></span>ower P<span class=\"_ _6\"></span>D.<span class=\"_ _2f2\"> </span><table class=\"s w3d3 hca\" id=\"_16c2e7fa-c289-4dcd-a4b1-8e7e666f837d\"><tr><td class=\"c n x1be y2a33 w3d4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc8 wsec\">Model component<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x728 y2a33 w3d5 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge si<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>e 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a34 wb8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5 ws43\">PD<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x729 y2a34 w3d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _6\"></span>he PD is n<span class=\"_ _6\"></span>ow ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d us<span class=\"_ _6\"></span>ing a m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>el wh<span class=\"_ _6\"></span>ich t<span class=\"_ _6\"></span>akes a n<span class=\"_ _6\"></span>umb<span class=\"_ _6\"></span>er of i<span class=\"_ _6\"></span>npu<span class=\"_ _6\"></span>t va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es de<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m com<span class=\"_ _6\"></span>merc<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>,<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a35 ff55 fs3 fc2 sc0 ls12 ws16\">con<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>er<span class=\"_ _0\"></span>, fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d beh<span class=\"_ _6\"></span>avio<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>l sou<span class=\"_ _6\"></span>rces of d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a, wh<span class=\"_ _6\"></span>ich h<span class=\"_ _6\"></span>ave bee<span class=\"_ _6\"></span>n obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ved t<span class=\"_ _6\"></span>o cor<span class=\"_ _6\"></span>rela<span class=\"_ _6\"></span>te wi<span class=\"_ _6\"></span>th a d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t. </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a36 ff55 fs3 fc2 sc0 ls12 ws16\">The<span class=\"_ _6\"></span>se in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re comb<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed to d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ne a PD cu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve for eac<span class=\"_ _6\"></span>h bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, wit<span class=\"_ _6\"></span>h 12-mon<span class=\"_ _6\"></span>th PD u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed fo<span class=\"_ _6\"></span>r st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 1 </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a37 ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me PD fo<span class=\"_ _6\"></span>r st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2. The m<span class=\"_ _6\"></span>argi<span class=\"_ _6\"></span>nal PD<span class=\"_ _6\"></span>s are us<span class=\"_ _6\"></span>ed to c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>cul<span class=\"_ _6\"></span>ate an EC<span class=\"_ _6\"></span>L in e<span class=\"_ _6\"></span>ach res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>ing </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a38 ff55 fs3 fc2 sc0 ls12 ws16\">pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d. Prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>sly PD w<span class=\"_ _6\"></span>as de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed us<span class=\"_ _6\"></span>ing m<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>els t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e late<span class=\"_ _6\"></span>st p<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt b<span class=\"_ _6\"></span>ehav<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>r of cus<span class=\"_ _6\"></span>tom<span class=\"_ _6\"></span>ers </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a39 ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d obse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ved h<span class=\"_ _6\"></span>isto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l tren<span class=\"_ _6\"></span>ds to p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2a3a ff56 fs3 fc2 sc0 ls3d ws47\">Signific<span class=\"_ _6\"></span>ant </td><td class=\"t m0 x72a h5 y2a3a ff55 fs3 fc2 sc0 ls12 ws16\">The d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk (\u201c<span class=\"_ _6\"></span>SI<span class=\"_ _6\"></span>CR<span class=\"_ _6\"></span>\u201d) us<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted to re<span class=\"_ _6\"></span>feren<span class=\"_ _6\"></span>ce </td></tr><tr><td class=\"t m0 x250 h5 y2a3b ff56 fs3 fc2 sc0 ls3d ws47\">increas<span class=\"_ _0\"></span>e in </td><td class=\"t m0 x72a h5 y2a3b ff55 fs3 fc2 sc0 ls12 ws16\">th<span class=\"_ _6\"></span>e rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ve cha<span class=\"_ _6\"></span>nge i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re bet<span class=\"_ _5\"></span>ween o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t dat<span class=\"_ _6\"></span>e. Previo<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y SI<span class=\"_ _6\"></span>CR was </td></tr><tr><td class=\"t m0 x250 h5 y2a3c ff56 fs3 fc2 sc0 ls39 ws42\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x72a h5 y2a3c ff55 fs3 fc2 sc0 ls12 ws16\">def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>s incl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ny acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t whic<span class=\"_ _6\"></span>h was overd<span class=\"_ _6\"></span>ue o<span class=\"_ _6\"></span>r frozen. This c<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n a hig<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a3d ff55 fs3 fc2 sc0 ls12 ws16\">acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts m<span class=\"_ _6\"></span>oving t<span class=\"_ _6\"></span>o st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2 pri<span class=\"_ _6\"></span>or to b<span class=\"_ _6\"></span>eco<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ng la<span class=\"_ _6\"></span>te or d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g, rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive to t<span class=\"_ _6\"></span>he prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>s met<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>gy u<span class=\"_ _6\"></span>til<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d. </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a3e ff55 fs3 fc2 sc0 ls12 ws16\">The b<span class=\"_ _6\"></span>ack<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>p of 30 d<span class=\"_ _6\"></span>ays pas<span class=\"_ _6\"></span>t du<span class=\"_ _6\"></span>e rem<span class=\"_ _6\"></span>ains i<span class=\"_ _6\"></span>n pl<span class=\"_ _6\"></span>ace.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a3f w3d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">EAD<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72b y2a3f w3d8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Th<span class=\"_ _6\"></span>e E<span class=\"_ _6\"></span>AD m<span class=\"_ _6\"></span>eth<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ogy h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en ref<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ned to t<span class=\"_ _6\"></span>ake ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nt of a<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ysis of t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>A<span class=\"_ _6\"></span>D bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n more g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a40 ff55 fs3 fc2 sc0 ls12 ws16\">ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>s for s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 an<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e 2. This a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>roac<span class=\"_ _6\"></span>h has res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>n mo<span class=\"_ _6\"></span>re accu<span class=\"_ _6\"></span>rate E<span class=\"_ _6\"></span>A<span class=\"_ _6\"></span>D pre<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on w<span class=\"_ _6\"></span>hen </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a41 ff55 fs3 fc2 sc0 ls12 ws16\">ba<span class=\"_ _6\"></span>ck tes<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>gai<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>t ac<span class=\"_ _6\"></span>tua<span class=\"_ _6\"></span>l resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>s acro<span class=\"_ _6\"></span>ss po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>folio<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pare<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>ss gr<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>lar c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it co<span class=\"_ _6\"></span>nvers<span class=\"_ _6\"></span>ion f<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tor </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a42 ff56 fs3 fc2 sc0 lsdf ws107\">approach used pr<span class=\"_ _0\"></span>eviously<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a43 w3d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls27 ws69\">LG<span class=\"_ _6\"></span>D<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72c y2a43 w3da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">The as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns be<span class=\"_ _6\"></span>hin<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD u<span class=\"_ _6\"></span>sed fo<span class=\"_ _6\"></span>r Flex<span class=\"_ _6\"></span>iPay h<span class=\"_ _6\"></span>ave previo<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y be<span class=\"_ _6\"></span>en b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on th<span class=\"_ _6\"></span>e ex<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rap<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f lim<span class=\"_ _6\"></span>ite<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a44 ff56 fs3 fc2 sc0 ls12 ws16\">ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al rec<span class=\"_ _6\"></span>over<span class=\"_ _6\"></span>y da<span class=\"_ _6\"></span>ta g<span class=\"_ _6\"></span>iven t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ivel<span class=\"_ _6\"></span>y sma<span class=\"_ _6\"></span>ll l<span class=\"_ _6\"></span>evels of d<span class=\"_ _6\"></span>efa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n the p<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>foli<span class=\"_ _6\"></span>o to da<span class=\"_ _6\"></span>te. The a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>roac<span class=\"_ _6\"></span>h has </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a45 ff55 fs3 fc2 sc0 ls12 ws16\">be<span class=\"_ _6\"></span>en ref<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed to s<span class=\"_ _6\"></span>upp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>ta li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h su<span class=\"_ _6\"></span>bst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Lo<span class=\"_ _6\"></span>an rec<span class=\"_ _6\"></span>over<span class=\"_ _6\"></span>y info<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on, i<span class=\"_ _6\"></span>n lig<span class=\"_ _6\"></span>ht of a </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a46 ff55 fs3 fc2 sc0 ls12 ws16\">sh<span class=\"_ _6\"></span>ared re<span class=\"_ _6\"></span>cover<span class=\"_ _6\"></span>y p<span class=\"_ _6\"></span>roces<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e prod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>t a bor<span class=\"_ _6\"></span>rower l<span class=\"_ _6\"></span>evel an<span class=\"_ _6\"></span>d as ma<span class=\"_ _6\"></span>ny Flexi<span class=\"_ _6\"></span>Pay b<span class=\"_ _6\"></span>orrow<span class=\"_ _6\"></span>ers a<span class=\"_ _6\"></span>lso have </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a47 ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>rm Loa<span class=\"_ _6\"></span>n pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>, lea<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng to an i<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>roved bas<span class=\"_ _6\"></span>is for p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e L<span class=\"_ _0\"></span>GD u<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>il mo<span class=\"_ _6\"></span>re Flex<span class=\"_ _6\"></span>iPay d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a be<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>es </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a48 ff55 fs3 fc2 sc0 ls12 ws16\">avai<span class=\"_ _6\"></span>lab<span class=\"_ _6\"></span>le i<span class=\"_ _6\"></span>n fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a49 w3db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>cro sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72d y2a49 w3dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s m<span class=\"_ _6\"></span>acro s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>os prev<span class=\"_ _6\"></span>ious<span class=\"_ _6\"></span>ly i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ora<span class=\"_ _6\"></span>ted j<span class=\"_ _6\"></span>ust u<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt as a fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast v<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le to t<span class=\"_ _6\"></span>ake<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4a ff55 fs3 fc2 sc0 ls12 ws16\">acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard-<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>oki<span class=\"_ _6\"></span>ng i<span class=\"_ _6\"></span>nfor<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p now u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>es UK u<span class=\"_ _6\"></span>nem<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt ra<span class=\"_ _6\"></span>tes, t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk-fre<span class=\"_ _6\"></span>e rat<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4b ff55 fs3 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d GDP a<span class=\"_ _6\"></span>s the s<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast v<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>les, w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h hi<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>ric<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly ob<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve<span class=\"_ _6\"></span>d coe<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n the<span class=\"_ _6\"></span>se va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es to </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4c ff55 fs3 fc2 sc0 ls12 ws16\">pre<span class=\"_ _6\"></span>dic<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>venci<span class=\"_ _6\"></span>es, i<span class=\"_ _6\"></span>nste<span class=\"_ _6\"></span>ad of s<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ely u<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g une<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent r<span class=\"_ _6\"></span>ates p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>usl<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Fur<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ails a<span class=\"_ _6\"></span>re provi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d lat<span class=\"_ _6\"></span>er </td></tr><tr><td></td><td class=\"t m0 x72a h5 y2a4d ff56 fs3 fc2 sc0 ls12 ws16\">in t<span class=\"_ _6\"></span>his n<span class=\"_ _6\"></span>ote.<span class=\"_ _2f2\"> </span></td></tr></table>Definitions<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>mpt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns wh<span class=\"_ _6\"></span>en c<span class=\"_ _6\"></span>alcu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e ECL o<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>ets:<span class=\"_ _2f2\"> </span><table class=\"s w3dd hcb\" id=\"_dc555638-0e1a-41ff-9441-6a5c3a4d5482\"><tr><td class=\"c n x1be y2a4e w3de h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">Component<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72e y2a4e w3df h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">Definition/assumption<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2a4f ff56 fs3 fc2 sc0 ls3d ws47\">Signific<span class=\"_ _6\"></span>ant </td><td class=\"t m0 x726 h5 y2a4f ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p assu<span class=\"_ _6\"></span>mes t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n a sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt in<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e in cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e prob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>lt i<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>exed </td></tr><tr><td class=\"t m0 x1b9 h5 y2a50 ff56 fs3 fc2 sc0 ls3d ws47\">increas<span class=\"_ _0\"></span>e in </td><td class=\"t m0 x726 h5 y2a50 ff55 fs3 fc2 sc0 ls2b ws66\">to th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k score of t<span class=\"_ _6\"></span>he bo<span class=\"_ _6\"></span>rrowe<span class=\"_ _6\"></span>r has in<span class=\"_ _6\"></span>crea<span class=\"_ _6\"></span>sed over g<span class=\"_ _6\"></span>iven t<span class=\"_ _6\"></span>hres<span class=\"_ _6\"></span>hol<span class=\"_ _6\"></span>ds si<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>rig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e bal<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e she<span class=\"_ _6\"></span>et </td></tr><tr><td class=\"t m0 x1b9 h5 y2a51 ff56 fs3 fc2 sc0 ls39 ws42\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ri<span class=\"_ _6\"></span>sk<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a51 ff55 fs3 fc2 sc0 ls2b ws66\">da<span class=\"_ _6\"></span>te. A back<span class=\"_ _6\"></span>sto<span class=\"_ _6\"></span>p is app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed for any ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s on th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent wh<span class=\"_ _6\"></span>ich exce<span class=\"_ _6\"></span>ed 3<span class=\"_ _6\"></span>0 days, in l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span> </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a52 ff55 fs3 fc2 sc0 ls12 ws16\">wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e pre<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pti<span class=\"_ _6\"></span>on p<span class=\"_ _6\"></span>er I<span class=\"_ _6\"></span>FRS 9.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a53 w3e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x72f y2a53 w3e1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">We est<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>te PD, EA<span class=\"_ _6\"></span>D an<span class=\"_ _6\"></span>d L<span class=\"_ _0\"></span>GD for t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>me of t<span class=\"_ _6\"></span>he T<span class=\"_ _0\"></span>erm Loa<span class=\"_ _6\"></span>n or li<span class=\"_ _6\"></span>ne of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. T<span class=\"_ _b\"></span>er<span class=\"_ _6\"></span>m Loa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a54 ff55 fs3 fc2 sc0 ls12 ws16\">ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ual te<span class=\"_ _6\"></span>rm of t<span class=\"_ _6\"></span>he T<span class=\"_ _0\"></span>erm Lo<span class=\"_ _6\"></span>an. Fo<span class=\"_ _6\"></span>r lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ura<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e is es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted to b<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a55 ff56 fs3 fc2 sc0 ls69 wsb9\">f<span class=\"_ _6\"></span>ive ye<span class=\"_ _6\"></span>ars<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h5 y2a56 ff56 fs3 fc2 sc0 ls3d ws47\">Definit<span class=\"_ _6\"></span>ion </td><td class=\"t m0 x726 h5 y2a56 ff55 fs3 fc2 sc0 ls12 ws16\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es a def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>, cla<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ied w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n non<span class=\"_ _6\"></span>-p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>, as a lo<span class=\"_ _6\"></span>an inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th any o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g </td></tr><tr><td class=\"t m0 x1b9 h5 y2a57 ff56 fs3 fc2 sc0 ls12 ws16\">of de<span class=\"_ _6\"></span>fau<span class=\"_ _6\"></span>lt<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x726 h5 y2a57 ff55 fs3 fc2 sc0 ls12 ws16\">amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts exce<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>ing 9<span class=\"_ _6\"></span>0 days p<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>eir d<span class=\"_ _6\"></span>ue da<span class=\"_ _6\"></span>te, wh<span class=\"_ _6\"></span>ich ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>int a<span class=\"_ _6\"></span>t whi<span class=\"_ _6\"></span>ch th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an is c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a58 ff55 fs3 fc2 sc0 ls5d ws84\">to be cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>red. I<span class=\"_ _6\"></span>n som<span class=\"_ _6\"></span>e circu<span class=\"_ _6\"></span>mst<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces w<span class=\"_ _6\"></span>here l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s are bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k by the G<span class=\"_ _6\"></span>roup, t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al as<span class=\"_ _6\"></span>set </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a59 ff55 fs3 fc2 sc0 ls5d ws84\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>e me<span class=\"_ _6\"></span>ets t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>efi<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d or or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>red (\u201c<span class=\"_ _6\"></span>PO<span class=\"_ _6\"></span>CI\u201d<span class=\"_ _6\"></span>); this<span class=\"_ _6\"></span> </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5a ff55 fs3 fc2 sc0 ls12 ws16\">el<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t is th<span class=\"_ _6\"></span>erefo<span class=\"_ _6\"></span>re bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me EC<span class=\"_ _6\"></span>Ls.<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5b ff55 fs3 fc2 sc0 ls5d ws84\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ut<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>ise t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ame d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t def<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>nd pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f defa<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9; howeve<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, they are </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5c ff55 fs3 fc2 sc0 ls5d ws84\">ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on 12-mon<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he over<span class=\"_ _6\"></span>all ava<span class=\"_ _6\"></span>ila<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e lin<span class=\"_ _6\"></span>e of cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>evel, es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5d ff56 fs3 fc2 sc0 ls5d ws16\">exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ilis<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e lin<span class=\"_ _6\"></span>e of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t at t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>t of de<span class=\"_ _6\"></span>faul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. The ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt </td></tr><tr><td></td><td class=\"t m0 x726 h5 y2a5e ff55 fs3 fc2 sc0 ls12 ws16\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th u<span class=\"_ _6\"></span>ndr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it i<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n oth<span class=\"_ _6\"></span>er l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>n not<span class=\"_ _6\"></span>e 15.<span class=\"_ _2f2\"> </span></td></tr></table>SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns hel<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t also i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns whi<span class=\"_ _6\"></span>ch have be<span class=\"_ _6\"></span>en bo<span class=\"_ _6\"></span>ugh<span class=\"_ _6\"></span>t bac<span class=\"_ _6\"></span>k from inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s wit<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion of co<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng con<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows. Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>ise \u00a3<span class=\"_ _6\"></span>172.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a397<span class=\"_ _b\"></span>.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>ion) of d<span class=\"_ _6\"></span>rawn a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s thro<span class=\"_ _6\"></span>ug<span class=\"_ _6\"></span>h the F<span class=\"_ _6\"></span>lexi<span class=\"_ _6\"></span>Pay pro<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ct n<span class=\"_ _6\"></span>et of ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d credit loss<span class=\"_ _0\"></span> impairment.<span class=\"_ _2f2\"> </span>The g<span class=\"_ _6\"></span>ross p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e plu<span class=\"_ _6\"></span>s acc<span class=\"_ _6\"></span>rue<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t of S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t is \u00a3<span class=\"_ _6\"></span>4.0 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a311<span class=\"_ _6\"></span>.3 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) and dr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t is \u00a3205<span class=\"_ _6\"></span>.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>ion (2024: \u00a311<span class=\"_ _6\"></span>0.0 mill<span class=\"_ _6\"></span>ion), tot<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>ing \u00a3<span class=\"_ _6\"></span>209.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a3121.3 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion), and an a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce for exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t loss<span class=\"_ _6\"></span>es of \u00a31.<span class=\"_ _6\"></span>9 mill<span class=\"_ _6\"></span>ion (2024: <span class=\"_ _0\"></span>\u00a39.2 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) and \u00a332.2 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: \u00a312.9 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) r<span class=\"_ _0\"></span>esp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ively, <span class=\"_ _0\"></span>tot<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g \u00a334.1 <span class=\"_ _0\"></span>mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a322.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n), is hel<span class=\"_ _6\"></span>d aga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>ese l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns and d<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow.<span class=\"_ _2f2\"> </span>An i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t cha<span class=\"_ _6\"></span>rge of \u00a3<span class=\"_ _6\"></span>18<span class=\"_ _6\"></span>.5 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (202<span class=\"_ _0\"></span>4: imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt ch<span class=\"_ _6\"></span>arge o<span class=\"_ _6\"></span>f \u00a37<span class=\"_ _b\"></span>.0 mill<span class=\"_ _6\"></span>ion) wa<span class=\"_ _6\"></span>s reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>sed t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me in t<span class=\"_ _6\"></span>he ye<span class=\"_ _6\"></span>ar to 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss ch<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>e in t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nsol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of co<span class=\"_ _6\"></span>mpre<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>sive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to dr<span class=\"_ _6\"></span>awn li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t amo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>Add<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly<span class=\"_ _0\"></span>, an expe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d credi<span class=\"_ _6\"></span>t los<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t credi<span class=\"_ _6\"></span>t rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng to und<span class=\"_ _6\"></span>rawn Flex<span class=\"_ _6\"></span>iP<span class=\"_ _6\"></span>ay <span class=\"_ _0\"></span>li<span class=\"_ _6\"></span>nes of cred<span class=\"_ _6\"></span>it of \u00a30.2 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (<span class=\"_ _0\"></span>31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024: \u00a31<span class=\"_ _6\"></span>.3 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on ch<span class=\"_ _6\"></span>arge) an<span class=\"_ _6\"></span>d an ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt ch<span class=\"_ _6\"></span>arge re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ed to o<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al b<span class=\"_ _6\"></span>uyb<span class=\"_ _6\"></span>acks o<span class=\"_ _6\"></span>f \u00a3ni<span class=\"_ _6\"></span>l (202<span class=\"_ _0\"></span>4: \u00a30.4 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) were re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n note<span class=\"_ _6\"></span>s 15 a<span class=\"_ _6\"></span>nd 27<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span>The Grou<span class=\"_ _6\"></span>p band<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>eac<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>lo<span class=\"_ _6\"></span>an invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt at <span class=\"_ _0\"></span>or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n using an inte<span class=\"_ _6\"></span>rna<span class=\"_ _6\"></span>l risk rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>and ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>es credi<span class=\"_ _6\"></span>t loss<span class=\"_ _6\"></span>es on <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive por<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>foli<span class=\"_ _6\"></span>o <span class=\"_ _0\"></span>ba<span class=\"_ _6\"></span>sis<span class=\"_ _6\"></span> by produ<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>. Cred<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk gra<span class=\"_ _6\"></span>des are no<span class=\"_ _6\"></span>t repor<span class=\"_ _5\"></span>ted to mana<span class=\"_ _6\"></span>gem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>on an on<span class=\"_ _6\"></span>goi<span class=\"_ _6\"></span>ng bas<span class=\"_ _6\"></span>is and th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>on<span class=\"_ _6\"></span>ly bor<span class=\"_ _6\"></span>rower-spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n tha<span class=\"_ _6\"></span>t is pro<span class=\"_ _6\"></span>duc<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd us<span class=\"_ _6\"></span>ed is p<span class=\"_ _6\"></span>ast d<span class=\"_ _6\"></span>ue s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>s. The<span class=\"_ _6\"></span>re is no s<span class=\"_ _6\"></span>ign<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>t con<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk to s<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c ind<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>r ge<span class=\"_ _6\"></span>ogr<span class=\"_ _6\"></span>aph<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al reg<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns.<span class=\"_ _2f2\"> </span><table class=\"s w3e2 hcc\" id=\"_2c978e7c-e154-44bd-9b0a-12c80ec5eb54\"><tr><td></td><td class=\"t m0 x67b h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 </td><td class=\"t m0 x730 h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x731 h28 y2a5f ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x677 h28 y2a60 ff55 fs19 fc2 sc0 lsca wsee\">Performing<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x732 h28 y2a60 ff56 fs19 fc2 sc0 ls92 ws19c\">Underper<span class=\"_ _6\"></span>forming<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x733 h28 y2a60 ff55 fs19 fc2 sc0 lscb wsef\">Non-per<span class=\"_ _6\"></span>forming<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x734 h28 y2a60 ff55 fs19 fc2 sc0 lsc8 wsec\">POCI:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2a60 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h83 y2a61 ff54 fs19 fc2 sc0 lsca wsee\">Reconciliation of<span class=\"_ _0\"></span> opening to<span class=\"_ _0\"></span> closing<span class=\"_ _0\"></span> gross carrying amounts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a62 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a63 w3e3 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">At 1 Ja<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x736 y2a64 w3e4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls25 ws7d\">55.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x737 y2a64 w329 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls2f ws37\">2.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x738 y2a64 w3e5 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">4.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x739 y2a64 w3e6 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>4.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4e3 y2a64 w3e7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls75 wsb4\">76.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a65 w3e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">New l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73a y2a65 w3e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">4<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73b y2a65 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73c y2a65 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x359 y2a65 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73d y2a65 w21d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">4<span class=\"_ _5\"></span>6<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a66 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a66 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a66 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73e y2a66 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73f y2a66 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x740 y2a66 w3ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a67 w3eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x741 y2a67 w3ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(14.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x742 y2a67 w3ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x743 y2a67 w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5a7 y2a67 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x744 y2a67 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a68 w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x745 y2a68 w3ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>0<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>7<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x47e y2a68 w3f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x746 y2a68 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x747 y2a68 w3f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x748 y2a68 w3f2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls67 ws99\">(415<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a69 w3f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Wri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x662 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x663 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x664 y2a69 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x665 y2a69 w7c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x749 y2a69 w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6a w2ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Derecognition of a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74a y2a6a w3f4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74b y2a6a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74c y2a6a w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74d y2a6a w2ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74e y2a6a w3f5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(6<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6b w3f6 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x74f y2a6c w3f7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">9<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x750 y2a6c w118 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x751 y2a6c w3f8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x752 y2a6c w103 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls39 ws42\">8<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x753 y2a6c w3f9 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">121.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6d w3e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">New l<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x754 y2a6d w3fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">7<span class=\"_ _6\"></span>78.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x755 y2a6d wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66d y2a6d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66e y2a6d wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x756 y2a6d w3fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">780.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6e w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a6e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f4 y2a6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x757 y2a6e w3fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x758 y2a6e we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a6f w3fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x759 y2a6f w3fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75a y2a6f w3ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75b y2a6f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c5 y2a6f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75c y2a6f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a70 w3eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75d y2a70 w400 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls5 ws43\">(25.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75e y2a70 w401 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x75f y2a70 w402 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x760 y2a70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x761 y2a70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a71 w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x762 y2a71 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x763 y2a71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x764 y2a71 w403 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4.6<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x765 y2a71 w404 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a72 w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x766 y2a72 w405 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls30 ws38\">(68<span class=\"_ _6\"></span>0.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x767 y2a72 w406 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(3.4<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x768 y2a72 w407 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x769 y2a72 w408 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76a y2a72 w409 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>8<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a73 w3f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Wri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>n of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x662 y2a73 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x663 y2a73 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76b y2a73 w40a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(<span class=\"_ _6\"></span>0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76c y2a73 w40b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(3<span class=\"_ _6\"></span>.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76d y2a73 w40c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(4<span class=\"_ _5\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76e y2810 w40d h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">16<span class=\"_ _6\"></span>4.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76f y2810 w40e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">22.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x770 y2810 w40f h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls25 ws7d\">20.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x771 y2810 wb0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x772 y2810 w410 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>0<span class=\"_ _5\"></span>9.1<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w12d hcd\" id=\"_8200e214-ad78-4fcd-8dc2-ed9c818f2c6e\"><tr><td></td><td class=\"t m0 x67b h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x730 h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x731 h28 y2a74 ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x773 h28 y2a75 ff55 fs19 fc2 sc0 lsca wsee\">Performing:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x732 h28 y2a75 ff55 fs19 fc2 sc0 ls14c ws17f\">Underper<span class=\"_ _6\"></span>forming<span class=\"_ _0\"></span>:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x774 h28 y2a75 ff55 fs19 fc2 sc0 lsca wsee\">Non-per<span class=\"_ _6\"></span>forming<span class=\"_ _0\"></span>:<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x734 h28 y2a75 ff55 fs19 fc2 sc0 lsc8 wsec\">POCI:<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x775 h28 y2a76 ff55 fs19 fc2 sc0 ls12 ws16\">12-m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>h EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x776 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x777 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x778 h28 y2a76 ff55 fs19 fc2 sc0 lsca wsee\">Lifetime E<span class=\"_ _0\"></span>CL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2a76 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h83 y2a77 ff54 fs19 fc2 sc0 lsca wsee\">Reconciliation of<span class=\"_ _0\"></span> opening to<span class=\"_ _0\"></span> closing<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x477 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2a77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2a78 w3e3 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 1 Ja<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x779 y2a79 w1ef h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">1.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77a y2a79 w1e8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77b y2a79 w327 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77c y2a79 w411 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls4c ws108\">13.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77d y2a79 w412 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">20<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7a w413 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t new len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed asse<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77e y2a7a w414 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">12.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x77f y2a7a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4d2 y2a7a w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x341 y2a7a w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x780 y2a7a w414 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">12.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7b w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a7b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a7b w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73e y2a7b w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x739 y2a7b w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x781 y2a7b w3ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7c w415 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>st lo<span class=\"_ _6\"></span>ans t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfe<span class=\"_ _6\"></span>rred b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x782 y2a7c w416 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x783 y2a7c w1f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls25 ws7d\">3.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x784 y2a7c wcb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x785 y2a7c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x786 y2a7c w417 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a7d w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x787 y2a7d w418 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(11<span class=\"_ _6\"></span>.2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x788 y2a7d w419 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x789 y2a7d w311 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78a y2a7d w2e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78b y2a7d w41a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>5.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a7e w41b hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>on d<span class=\"_ _6\"></span>erec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">wr<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ten of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a7f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78e y2a7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78f y2a7f w1b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x790 y2a7f w7c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a80 ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>iven </td><td class=\"c n x791 y2a81 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x792 y2a81 w47 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x793 y2a81 w3f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x794 y2a81 w234 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x795 y2a81 w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a82 ff56 fs3 fc2 sc0 ls3d ws47\">default assumptions<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1be y2a83 w41c hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>reco<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f imp<span class=\"_ _6\"></span>air<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">assets of<span class=\"_ _0\"></span> discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a84 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a84 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x796 y2a84 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x797 y2a84 w41d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x798 y2a84 w2ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(4.<span class=\"_ _6\"></span>7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a85 w3f6 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x799 y2a86 w41e h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79a y2a86 w41f h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79b y2a86 w420 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">9.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79c y2a86 w421 h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 ls6c wsf9\">8.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79d y2a86 w422 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a87 w413 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t new len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g and purc<span class=\"_ _6\"></span>has<span class=\"_ _6\"></span>ed asse<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79e y2a87 w3c9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">2<span class=\"_ _6\"></span>1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73b y2a87 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x73c y2a87 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x79f y2a87 wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a0 y2a87 w423 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls71 ws7e\">22.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a88 w2e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange differences<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f2 y2a88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x486 y2a88 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5f4 y2a88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x757 y2a88 w3fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x758 y2a88 we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f1 w3fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a1 y29f1 w424 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a2 y29f1 w425 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">3.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x28f y29f1 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a3 y29f1 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a4 y29f1 w377 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a89 w426 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t loa<span class=\"_ _6\"></span>ns tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d bet<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a5 y2a89 w164 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a6 y2a89 w427 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">6.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a7 y2a89 w265 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">8<span class=\"_ _6\"></span>.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3cf y2a89 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a8 y2a89 w428 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>4.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a8a w3ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loan<span class=\"_ _6\"></span>s repa<span class=\"_ _6\"></span>id<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a9 y2a8a w429 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7aa y2a8a w42a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(1<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ab y2a8a w42b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ac y2a8a w42c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ad y2a8a w2ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>2<span class=\"_ _5\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a8b w41b hce\"><div class=\"t m0 x1b5 h5 y2907 ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt p<span class=\"_ _6\"></span>rovisi<span class=\"_ _6\"></span>on d<span class=\"_ _6\"></span>erec<span class=\"_ _6\"></span>ogn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">wr<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ten of<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78c y2a8c w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x78d y2a8c w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ae y2a8c w42d h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7af y2a8c w42e h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls81 wsad\">(3.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b0 y2a8c w42f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a8d w3bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>le of l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x762 y2a8d w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b1 y2a8d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a8d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x764 y2a8d w403 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4.6<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x765 y2a8d w404 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a8e ff55 fs3 fc2 sc0 ls12 ws16\">Ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e in pro<span class=\"_ _6\"></span>ba<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>oss g<span class=\"_ _6\"></span>iven </td><td class=\"c n x791 y2a8f w430 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">3.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b2 y2a8f w431 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(5.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b3 y2a8f w21e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">2.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b4 y2a8f w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b5 y2a8f w432 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">1.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2a90 ff56 fs3 fc2 sc0 ls3d ws47\">default assumptions<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x688 y2810 w433 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">8<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b6 y2810 w434 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls81 wsad\">4.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b7 y2810 w435 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">20.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b8 y2810 w436 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2a ws39\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7b9 y2810 w437 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">3<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table>The to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t of un<span class=\"_ _6\"></span>disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ted EC<span class=\"_ _6\"></span>Ls at i<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>al re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n on f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts in<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>lly re<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>gnis<span class=\"_ _6\"></span>ed d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r whi<span class=\"_ _6\"></span>ch are ca<span class=\"_ _6\"></span>teg<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d as PO<span class=\"_ _6\"></span>CI as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s was \u00a3<span class=\"_ _6\"></span>nil (2024: \u00a3nil).<span class=\"_ _2f2\"> </span><table class=\"s w438 hcf\" id=\"_8484a22d-9903-4659-8628-7f12193d76b4\"><tr><td></td><td></td><td></td><td class=\"t m1 x7ba h28 y2a91 ff56 fs19 fc2 sc0 lsc9 wsed\">Gross<span class=\"_ _0\"></span> lines<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x7bb h28 y2a92 ff56 fs19 fc2 sc0 ls12 ws16\">of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1af h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>sis f<span class=\"_ _6\"></span>or<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bc h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bd h28 y2a93 ff55 fs19 fc2 sc0 ls12 ws16\">Prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on fo<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x7be h28 y2a94 ff56 fs19 fc2 sc0 ls141 ws174\">Expected<span class=\"_ _0\"></span> credit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bf h28 y2a94 ff56 fs19 fc2 sc0 lsc9 wsed\">recognition of<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bb h28 y2a94 ff56 fs19 fc2 sc0 ls12 ws16\">at a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c0 h28 y2a94 ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c1 h28 y2a94 ff56 fs19 fc2 sc0 lsca wsee\">Net carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x7c2 h28 y2a95 ff56 fs19 fc2 sc0 lsd2 wsf6\">los<span class=\"_ _6\"></span>s cover<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a95 ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>redit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6db h28 y2a95 ff56 fs19 fc2 sc0 ls136 ws165\">cost<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1b1 h28 y2a95 ff56 fs19 fc2 sc0 ls12 ws16\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c3 h28 y2a95 ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x7c4 h28 y2a96 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a96 ff56 fs19 fc2 sc0 lsc9 wsed\">loss impairment<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c5 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c6 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c7 h28 y2a96 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 hd y2a97 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _a6\"> </span><span class=\"ff56\"> <span class=\"_ _173\"> </span> <span class=\"_ _87\"> </span> <span class=\"_ _11f\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a00 w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7c8 y2a00 w41e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7c9 y2a00 w43a h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">12<span class=\"_ _0\"></span>-m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>h ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ca y2a00 w43b h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">9<span class=\"_ _5\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cb y2a00 w43c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(2.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cc y2a00 w43d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">9<span class=\"_ _6\"></span>6.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a01 w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cd y2a01 w43f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">43.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ce y2a01 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7cf y2a01 w118 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d0 y2a01 w441 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d1 y2a01 wd9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2805 w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d2 y2805 w18b h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d3 y2805 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d4 y2805 w3f8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d5 y2805 w443 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d6 y2805 w1e8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a02 w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d7 y2a02 w445 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">98.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d8 y2a02 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime E<span class=\"_ _6\"></span>CL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7d9 y2a02 w103 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">8<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7da y2a02 w2eb h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(8<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7db y2a02 we8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7dc y2a98 w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7dd y2a98 w3f9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">121.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7de y2a98 w446 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(22.<span class=\"_ _0\"></span>1)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x640 y2a98 w447 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">99.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m1 x1b9 hd y2a99 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _18f\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _173\"> </span> <span class=\"_ _9a\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _9a\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y295e w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7df y295e w448 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e0 y295e w449 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd4 wsf8\">12-month<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e1 y295e w44a h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>4.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x636 y295e w44b h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e2 y295e w44c h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>56.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285e w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e3 y285e w44d h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">2<span class=\"_ _6\"></span>1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e4 y285e w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e5 y285e w44f h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">22.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e6 y285e w450 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.8<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e7 y285e w335 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e8 y287f w451 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">9<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e9 y287f w452 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ea y287f w40f h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">20.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7eb y287f w453 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(<span class=\"_ _6\"></span>20.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ec y287f w3c1 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ed y280d w454 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">83.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7e4 y280d w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>feti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ee y280d wb0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd6 ws75\">1.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ef y280d w455 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2a ws39\">(1<span class=\"_ _6\"></span>.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f0 y280d w2a0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x7f1 y280f w456 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls167 ws19e\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f2 y280f w351 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _5\"></span>0<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f3 y280f w293 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>3<span class=\"_ _5\"></span>4<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f4 y280f w457 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">175.0<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w458 hd0\" id=\"_2e9a3642-c0dc-4c6f-9c7f-946c75854bcf\"><tr><td></td><td></td><td class=\"t m1 x6c9 h28 y2a9a ff55 fs19 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>sis f<span class=\"_ _6\"></span>or<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m1 x5b2 h28 y2a9a ff55 fs19 fc2 sc0 ls12 ws16\">Prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on fo<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x37e h28 y2a9b ff56 fs19 fc2 sc0 ls141 ws174\">Expected<span class=\"_ _0\"></span> credit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7bf h28 y2a9b ff56 fs19 fc2 sc0 lsc9 wsed\">recognition of<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7ba h28 y2a9b ff56 fs19 fc2 sc0 lsc9 wsed\">Gross<span class=\"_ _0\"></span> lines<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x548 h28 y2a9b ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7c1 h28 y2a9b ff56 fs19 fc2 sc0 lsca wsee\">Net carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m1 x6d6 h28 y2a9c ff56 fs19 fc2 sc0 lsd2 wsf6\">los<span class=\"_ _6\"></span>s cover<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a8 h28 y2a9c ff56 fs19 fc2 sc0 ls141 ws174\">expect<span class=\"_ _0\"></span>ed c<span class=\"_ _0\"></span>redit<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f5 h28 y2a9c ff56 fs19 fc2 sc0 ls12 ws16\">of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x372 h28 y2a9c ff56 fs19 fc2 sc0 ls12 ws16\">cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f6 h28 y2a9c ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 h28 y2a9d ff55 fs19 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>f whi<span class=\"_ _6\"></span>ch i<span class=\"_ _6\"></span>s dra<span class=\"_ _6\"></span>wn Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f7 h28 y2a9d ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f8 h28 y2a9d ff56 fs19 fc2 sc0 lsc9 wsed\">loss impairment<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1ad h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1ae h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1bd h28 y2a9d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 hd y2a9e ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _139\"> </span><span class=\"ff56\"> <span class=\"_ _54\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _69\"> </span> <span class=\"_ _87\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2a00 w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f9 y2a00 w41e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fa y2a00 w459 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">12-mo<span class=\"_ _6\"></span>nth E<span class=\"_ _6\"></span>CL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fb y2a00 w45a h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fc y2a00 w45b h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(2.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x24a y2a00 w45c h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">9<span class=\"_ _6\"></span>4.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a01 w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fd y2a01 w45d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls4c ws108\">43.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7fe y2a01 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7ff y2a01 w118 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x800 y2a01 w441 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x801 y2a01 wd9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2805 w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x802 y2805 w10a h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">89.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x803 y2805 w440 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">L<span class=\"_ _6\"></span>ife<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x804 y2805 wa8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x805 y2805 w22c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">(8.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x806 y2805 w32d h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2a9f w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x807 y2a9f w106 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x808 y2a9f w45e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Life<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>me ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56b y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x56c y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x809 y2a9f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x80a y2a98 w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80b y2a98 w45f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>10.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80c y2a98 w460 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(12<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80d y2a98 w461 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m1 x1b9 hd y2aa0 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _138\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _7d\"> </span> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> <span class=\"_ _87\"> </span> <span class=\"_ _ff\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y295e w439 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1 \u2013 Pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80e y295e w462 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">4.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x80f y295e w463 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd4 wsf8\">12<span class=\"_ _0\"></span>-month<span class=\"_ _0\"></span> ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x542 y295e w2c0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x810 y295e w464 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2a ws39\">(8.0<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x811 y295e w1f9 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>54<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y285e w43e h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2 \u2013 U<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rmi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x812 y285e w465 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">21.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x813 y285e w466 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Li<span class=\"_ _6\"></span>fet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x814 y285e w467 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">22<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x815 y285e w404 h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls4 ws2f\">(4<span class=\"_ _6\"></span>.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x816 y285e w468 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w442 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3 \u2013 No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>g<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x817 y287f w451 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">9<span class=\"_ _6\"></span>9.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x818 y287f w44e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">Life<span class=\"_ _6\"></span>tim<span class=\"_ _6\"></span>e ECL<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x819 y287f w469 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls77 ws7c\">19.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81a y287f w46a h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(1<span class=\"_ _6\"></span>9.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81b y287f w2a0 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w444 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">POCI<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81c y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81d y28e0 w46b h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">L<span class=\"_ _6\"></span>ifet<span class=\"_ _6\"></span>ime EC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x325 y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81e y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x81f y28e0 w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x820 y280f w139 h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls167 ws19e\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x821 y280f w46c h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>0<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x35f y280f w46d h97\"><div class=\"t m1 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls77 ws7c\">(32<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>2)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x822 y280f wbb h97\"><div class=\"t m1 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">172.9<span class=\"_ _2f2\"> </span></div></td></tr></table>The R<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>nd Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>ce fu<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p mon<span class=\"_ _6\"></span>ito<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>man<span class=\"_ _6\"></span>ce of t<span class=\"_ _6\"></span>he Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld at am<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tise<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>lcu<span class=\"_ _6\"></span>late t<span class=\"_ _6\"></span>he EC<span class=\"_ _6\"></span>L es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mate re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ired fo<span class=\"_ _6\"></span>r fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g pur<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>ses. T<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e teams re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t to t<span class=\"_ _6\"></span>he Ch<span class=\"_ _6\"></span>ief Fin<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial O<span class=\"_ _6\"></span>f<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>er (\u201cC<span class=\"_ _6\"></span>FO\u201d<span class=\"_ _6\"></span>) and C<span class=\"_ _6\"></span>hie<span class=\"_ _6\"></span>f Ris<span class=\"_ _6\"></span>k O<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>icer (\u201c<span class=\"_ _6\"></span>CR<span class=\"_ _6\"></span>O\u201d). Dis<span class=\"_ _6\"></span>cus<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>ns of es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>tes, p<span class=\"_ _6\"></span>roces<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>re hel<span class=\"_ _6\"></span>d regu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>rly at B<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce S<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et an<span class=\"_ _6\"></span>d Valu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on C<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tee me<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>gs al<span class=\"_ _6\"></span>ong w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h re<span class=\"_ _6\"></span>gul<span class=\"_ _6\"></span>ar up<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>tes prov<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he Aud<span class=\"_ _6\"></span>it C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>e.<span class=\"_ _2f2\"> </span>The a<span class=\"_ _6\"></span>llo<span class=\"_ _6\"></span>wan<span class=\"_ _6\"></span>ce for ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss<span class=\"_ _6\"></span>es req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>res es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to ass<span class=\"_ _6\"></span>ess i<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>l loa<span class=\"_ _6\"></span>ns or w<span class=\"_ _6\"></span>hen a<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>lyi<span class=\"_ _6\"></span>ng s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>s for co<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tive a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ssm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s ba<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s pa<span class=\"_ _6\"></span>st ex<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>nce of h<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>l de<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>enci<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s tre<span class=\"_ _6\"></span>nds<span class=\"_ _6\"></span>, as wel<span class=\"_ _6\"></span>l as for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd-<span class=\"_ _6\"></span>loo<span class=\"_ _6\"></span>ki<span class=\"_ _6\"></span>ng in<span class=\"_ _6\"></span>form<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>n the fo<span class=\"_ _6\"></span>rm of ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s govern<span class=\"_ _6\"></span>ed by a Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce Sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t and Valu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>tee<span class=\"_ _6\"></span>, whi<span class=\"_ _6\"></span>ch ob<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ins ma<span class=\"_ _6\"></span>croe<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>ts s<span class=\"_ _6\"></span>uch as ch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ges in i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ates, G<span class=\"_ _6\"></span>DP<span class=\"_ _b\"></span>, ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ates, u<span class=\"_ _6\"></span>nem<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyme<span class=\"_ _6\"></span>nt and i<span class=\"_ _6\"></span>nfl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red fo<span class=\"_ _6\"></span>r inc<span class=\"_ _6\"></span>orp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion i<span class=\"_ _6\"></span>nto sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>os an<span class=\"_ _6\"></span>d prob<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wei<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>ed. Th<span class=\"_ _6\"></span>ese s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ios are u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed to d<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ive an a<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t to th<span class=\"_ _6\"></span>e PD pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>, to refl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he im<span class=\"_ _6\"></span>pac<span class=\"_ _6\"></span>t of fo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ward<span class=\"_ _6\"></span>-lo<span class=\"_ _6\"></span>ok<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on on t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g PD pro<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ions es<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>she<span class=\"_ _6\"></span>d fro<span class=\"_ _6\"></span>m his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al exp<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ien<span class=\"_ _6\"></span>ce.<span class=\"_ _2f2\"> </span>Key cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es to ma<span class=\"_ _6\"></span>cr<span class=\"_ _6\"></span>o sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s use<span class=\"_ _6\"></span>d in 20<span class=\"_ _6\"></span>25 UK-spe<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>c fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>ta is o<span class=\"_ _6\"></span>bt<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ned f<span class=\"_ _6\"></span>rom a t<span class=\"_ _6\"></span>hird p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty e<span class=\"_ _6\"></span>co<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ics p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>er. A numb<span class=\"_ _6\"></span>er of d<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>a po<span class=\"_ _6\"></span>int<span class=\"_ _6\"></span>s were ob<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d by Fundi<span class=\"_ _6\"></span>ng C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e incl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ing G<span class=\"_ _6\"></span>DP<span class=\"_ _b\"></span>, rea<span class=\"_ _6\"></span>l es<span class=\"_ _6\"></span>tat<span class=\"_ _6\"></span>e pri<span class=\"_ _6\"></span>ces, r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k<span class=\"_ _0\"></span>-fre<span class=\"_ _6\"></span>e ra<span class=\"_ _6\"></span>tes, an<span class=\"_ _6\"></span>d un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s, amo<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>. The Gro<span class=\"_ _6\"></span>up now u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses U<span class=\"_ _6\"></span>K une<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>loyme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate an<span class=\"_ _6\"></span>d GD<span class=\"_ _6\"></span>P as th<span class=\"_ _6\"></span>e sel<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t var<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s, wi<span class=\"_ _6\"></span>th h<span class=\"_ _6\"></span>isto<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>lly o<span class=\"_ _6\"></span>bse<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ved coe<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>ese va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es prov<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ng im<span class=\"_ _6\"></span>proved p<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tive v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of ins<span class=\"_ _6\"></span>olve<span class=\"_ _6\"></span>ncy u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tis<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l mo<span class=\"_ _6\"></span>del<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g tec<span class=\"_ _6\"></span>hni<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>red to un<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ploy<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t al<span class=\"_ _6\"></span>one w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h was us<span class=\"_ _6\"></span>ed p<span class=\"_ _6\"></span>reviou<span class=\"_ _6\"></span>sly. The Gro<span class=\"_ _6\"></span>up prev<span class=\"_ _6\"></span>iou<span class=\"_ _6\"></span>sly a<span class=\"_ _6\"></span>lso u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed u<span class=\"_ _6\"></span>psi<span class=\"_ _6\"></span>de, do<span class=\"_ _6\"></span>wnsi<span class=\"_ _6\"></span>de a<span class=\"_ _6\"></span>nd ba<span class=\"_ _6\"></span>sel<span class=\"_ _6\"></span>ine proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons f<span class=\"_ _6\"></span>rom th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ics p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>er for ea<span class=\"_ _6\"></span>ch mac<span class=\"_ _6\"></span>ro vari<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le in<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>t. The G<span class=\"_ _6\"></span>roup u<span class=\"_ _6\"></span>pda<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>ts ap<span class=\"_ _6\"></span>pro<span class=\"_ _6\"></span>ach to us<span class=\"_ _6\"></span>e base<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e proj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons of ma<span class=\"_ _6\"></span>cro va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e inp<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>s fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>mic<span class=\"_ _6\"></span>s provi<span class=\"_ _6\"></span>der, and in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly ge<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>rate t<span class=\"_ _6\"></span>wo a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal s<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ios u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ing a c<span class=\"_ _6\"></span>yclic<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y in<span class=\"_ _6\"></span>dex (\u201cC<span class=\"_ _6\"></span>I\u201d<span class=\"_ _6\"></span>) ap<span class=\"_ _6\"></span>pro<span class=\"_ _6\"></span>ach wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>s a mea<span class=\"_ _6\"></span>sure of w<span class=\"_ _6\"></span>here t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>omy si<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cred<span class=\"_ _6\"></span>it c<span class=\"_ _6\"></span>ycle a<span class=\"_ _6\"></span>t a give<span class=\"_ _6\"></span>n poi<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n tim<span class=\"_ _6\"></span>e. The b<span class=\"_ _6\"></span>ase ca<span class=\"_ _6\"></span>se ma<span class=\"_ _6\"></span>cro var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>ble i<span class=\"_ _6\"></span>np<span class=\"_ _6\"></span>ut fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast<span class=\"_ _6\"></span>s fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>s provi<span class=\"_ _6\"></span>der a<span class=\"_ _6\"></span>re use<span class=\"_ _6\"></span>d to de<span class=\"_ _6\"></span>rive a fo<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>ast o<span class=\"_ _6\"></span>f CI rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive to CI a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>eet d<span class=\"_ _6\"></span>ate. T<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>wo ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>s are de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by se<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nt co<span class=\"_ _6\"></span>nfi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nce i<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>als o<span class=\"_ _6\"></span>r sever<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s from t<span class=\"_ _6\"></span>he his<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>al C<span class=\"_ _6\"></span>I dis<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span>Previ<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>ly th<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>ree sc<span class=\"_ _6\"></span>ena<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>os were we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ted 3<span class=\"_ _6\"></span>0% down<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>e, 60% b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>e and 1<span class=\"_ _6\"></span>0% ups<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>e. The p<span class=\"_ _6\"></span>roba<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y weig<span class=\"_ _6\"></span>ht<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>bu<span class=\"_ _6\"></span>ted to th<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>ios a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 has b<span class=\"_ _6\"></span>een u<span class=\"_ _6\"></span>pd<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to refl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he CI over t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed li<span class=\"_ _6\"></span>fe of t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>. Info<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to the m<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>roec<span class=\"_ _6\"></span>ono<span class=\"_ _6\"></span>mic d<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>vers u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>lis<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n crea<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>io a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y we<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ngs a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rib<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ted to t<span class=\"_ _6\"></span>he sce<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>ios i<span class=\"_ _6\"></span>s ill<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ated b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span><table class=\"s w46e hd1\" id=\"_83a1548c-6463-40e0-bf24-cdf35b8f17fa\"><tr><td class=\"t m0 x250 h28 y2aa1 ff55 fs19 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>cro<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>c dr<span class=\"_ _6\"></span>ive<span class=\"_ _6\"></span>rs (ave<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ge </td><td></td><td class=\"t m0 x823 h28 y2aa1 ff56 fs19 fc2 sc0 ls12 ws16\">2026<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x824 h28 y2aa1 ff55 fs19 fc2 sc0 lsce wsf1\">2027<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x524 h28 y2aa1 ff56 fs19 fc2 sc0 lseb ws110\">2028<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x825 h28 y2aa1 ff56 fs19 fc2 sc0 lsce wsf1\">2029<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x523 h28 y2aa1 ff56 fs19 fc2 sc0 lsce wsf1\">203<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2aa2 w46f h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">for t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>st ye<span class=\"_ _6\"></span>ar)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x826 y2aa2 w470 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L sc<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>io<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x827 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x828 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67a h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x829 h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x82a h28 y2aa3 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28f5 w471 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Unemployment rat<span class=\"_ _0\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82b y28f5 w17b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>e cas<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82c y28f5 w472 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2f ws37\">5.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82d y28f5 w473 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82e y28f5 w327 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">4.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x82f y28f5 w474 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">4.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x830 y28f5 w36 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w475 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ris<span class=\"_ _6\"></span>k-free r<span class=\"_ _6\"></span>ate<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x831 y28b9 w476 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>se c<span class=\"_ _6\"></span>ase<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x832 y28b9 w477 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">3.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x833 y28b9 w13f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">3.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x834 y28b9 w478 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x835 y28b9 w479 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y28b9 w47a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">2.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w47b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">GD<span class=\"_ _6\"></span>P Y<span class=\"_ _b\"></span>o<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x836 y280f w47c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Base c<span class=\"_ _6\"></span>ase<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x837 y280f w331 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x838 y280f wb1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x839 y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83a y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83b y280f w3bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3e ws48\">1.5<span class=\"_ _2f2\"> </span></div></td></tr></table>Un<span class=\"_ _6\"></span>emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>s forec<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>t to pe<span class=\"_ _6\"></span>ak at 5<span class=\"_ _6\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>% du<span class=\"_ _6\"></span>e to th<span class=\"_ _6\"></span>e hike in e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyers<span class=\"_ _6\"></span>\u2019 NIC<span class=\"_ _6\"></span>s and t<span class=\"_ _6\"></span>he N<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al Li<span class=\"_ _6\"></span>vin<span class=\"_ _6\"></span>g Wage, b<span class=\"_ _6\"></span>efo<span class=\"_ _6\"></span>re gra<span class=\"_ _6\"></span>dua<span class=\"_ _6\"></span>lly recove<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g towa<span class=\"_ _6\"></span>rds a lo<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>-ru<span class=\"_ _6\"></span>n level o<span class=\"_ _6\"></span>f c.4<span class=\"_ _0\"></span>%.<span class=\"_ _2f2\"> </span>The r<span class=\"_ _6\"></span>isk-f<span class=\"_ _6\"></span>ree ra<span class=\"_ _6\"></span>te is exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>o redu<span class=\"_ _6\"></span>ce as b<span class=\"_ _6\"></span>ase r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>re cut g<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>dua<span class=\"_ _6\"></span>lly.<span class=\"_ _2f2\"> </span>GD<span class=\"_ _6\"></span>P grow<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h in t<span class=\"_ _6\"></span>he ne<span class=\"_ _6\"></span>ar te<span class=\"_ _6\"></span>rm in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes fi<span class=\"_ _6\"></span>sc<span class=\"_ _6\"></span>al lo<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g ann<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he 2025 UK g<span class=\"_ _6\"></span>overn<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t bud<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>t and t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ron<span class=\"_ _6\"></span>t loa<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng of so<span class=\"_ _6\"></span>me c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al sp<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g, be<span class=\"_ _6\"></span>fore rever<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g to a lon<span class=\"_ _6\"></span>g-<span class=\"_ _6\"></span>run ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e of c.1.5%.<span class=\"_ _2f2\"> </span><table class=\"s w47d hd2\" id=\"_69659740-7e71-4850-a7d4-84d28403b8e6\"><tr><td></td><td class=\"t m0 x41a h28 y2aa4 ff53 fs19 fc3 sc0 lsdb ws103\">Probability w<span class=\"_ _0\"></span>eighting<span class=\"_ _0\"></span> applied at<span class=\"_ _0\"></span> <span class=\"ls12 ws16\"> </span></td><td class=\"t m0 x51e h28 y2aa4 ff55 fs19 fc2 sc0 lsc9 wsed\">Probability weighting applied<span class=\"_ _0\"></span> at <span class=\"ff56 ls12 ws16\"> </span></td></tr><tr><td></td><td class=\"t m0 x83c h28 y2aa5 ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025  </td><td class=\"t m0 x683 h28 y2aa5 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>024 <span class=\"ff56\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2aa6 ff55 fs19 fc2 sc0 ls12 ws16\">EC<span class=\"_ _6\"></span>L sce<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>o<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x473 h28 y2aa6 ff53 fs19 fc3 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x82a h28 y2aa6 ff55 fs19 fc2 sc0 ls12 ws16\">%<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28b8 w17b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bas<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>se<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83d y28b8 w47e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2a ws39\">70<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83e y28b8 w47f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd9 ws65\">60<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w181 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd4 wsf8\">Upside<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x83f y28b9 wd3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">15<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x840 y28b9 w132 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls13e ws12e\">10<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w188 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">Downside<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x841 y280f w480 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd6 ws75\">15<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x291 y280f w481 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd9 ws65\">30<span class=\"_ _2f2\"> </span></div></td></tr></table>A se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to th<span class=\"_ _6\"></span>ese as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s on t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>ed ECL i<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>clo<span class=\"_ _6\"></span>sed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n note 2.<span class=\"_ _2f2\"> </span>Cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it ri<span class=\"_ _6\"></span>sk q<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of li<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>s of cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>ses re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ive m<span class=\"_ _6\"></span>ovemen<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re sin<span class=\"_ _6\"></span>ce or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on in i<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>ave met t<span class=\"_ _6\"></span>he SI<span class=\"_ _6\"></span>CR d<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on.<span class=\"_ _2f2\"> </span>The fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>ble i<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes t<span class=\"_ _6\"></span>he cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k qu<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et of EC<span class=\"_ _6\"></span>L by pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k sco<span class=\"_ _6\"></span>re bra<span class=\"_ _6\"></span>cket for e<span class=\"_ _6\"></span>ach st<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e as at t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et da<span class=\"_ _6\"></span>te. <table class=\"s w482 hd3\" id=\"_e0971fda-8b0f-4021-adbb-4171dd7ce164\"><tr><td></td><td></td><td class=\"t m0 x685 h28 y2aa7 ff53 fs19 fc3 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cr<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ry<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g am<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>nt<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x842 h28 y2aa8 ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x843 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x685 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x844 h28 y2aa9 ff53 fs19 fc3 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24e h28 y2aa9 ff53 fs19 fc3 sc0 lsc8 wsec\">POCI<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x523 h28 y2aa9 ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2aaa ff55 fs19 fc2 sc0 lsca wsee\">Risk banding<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x735 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x476 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x524 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2aaa ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2902 w483 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Higher risk<span class=\"_ _0\"></span> banding<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x845 y2902 w484 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">4<span class=\"_ _6\"></span>8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x846 y2902 wab h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">1<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x847 y2902 w3c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x848 y2902 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x849 y2902 w2bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">66.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w485 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Me<span class=\"_ _6\"></span>diu<span class=\"_ _6\"></span>m ris<span class=\"_ _6\"></span>k ba<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84a y2860 w486 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">51<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84b y2860 w487 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84c y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84d y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84e y2860 w488 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls24 ws2c\">51.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w489 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lower r<span class=\"_ _6\"></span>isk b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ing<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x84f y2861 w208 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">54.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x850 y2861 w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x851 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x852 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x853 y2861 w48a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">5<span class=\"_ _5\"></span>5<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w268 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsec ws111\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x854 y2810 w48b h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">1<span class=\"_ _6\"></span>54<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x855 y2810 w468 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x856 y2810 w2a0 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x857 y2810 w22 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x858 y2810 w25e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>72.9<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w48c hd4\" id=\"_39cebbb3-6a2e-4317-a3e1-2ea108f3a658\"><tr><td></td><td></td><td class=\"t m1 x859 h28 y2aab ff55 fs19 fc2 sc0 ls12 ws16\">Li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t ne<span class=\"_ _6\"></span>t ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1b9 h28 y2aac ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>024<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x2ac h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 1<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x1af h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 2<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x7f5 h28 y2aad ff56 fs19 fc2 sc0 ls12 ws16\">S<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ge 3<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x2a1 h28 y2aad ff55 fs19 fc2 sc0 lsc8 wsec\">POCI<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85a h28 y2aad ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m1 x1b9 h28 y2aae ff55 fs19 fc2 sc0 lsca wsee\">Risk banding<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85b h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6da h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x6db h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x85c h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m1 x407 h28 y2aae ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y285e w483 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Higher risk<span class=\"_ _0\"></span> banding<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85d y285e w48d h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85e y285e w48e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x85f y285e w161 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x860 y285e w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x861 y285e w48f h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">39.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w485 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Me<span class=\"_ _6\"></span>diu<span class=\"_ _6\"></span>m ris<span class=\"_ _6\"></span>k ba<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x862 y287f w490 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">2<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x863 y287f w491 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x864 y287f w2ab h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x865 y287f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x866 y287f w492 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls77 ws7c\">28.<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w489 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lower r<span class=\"_ _6\"></span>isk b<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>ing<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x867 y280d w31f h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">29.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x868 y280d w1a1 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x869 y280d w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86a y280d w22 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86b y280d w493 h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">29.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w1b5 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls166 ws19d\">To<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86c y280f w494 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">94.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86d y280f w495 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86e y280f w1e8 h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">1.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x86f y280f w1e h97\"><div class=\"t m1 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x870 y280f w34c h97\"><div class=\"t m1 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">9<span class=\"_ _5\"></span>7.<span class=\"_ _6\"></span>1<span class=\"_ _2f2\"> </span></div></td></tr></table>Credit risk associated with other financia<span class=\"_ _6\"></span>l assets<span class=\"_ _2f2\"> </span>SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s rela<span class=\"_ _6\"></span>te to th<span class=\"_ _6\"></span>e un<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>lyi<span class=\"_ _6\"></span>ng p<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>l of SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e le<span class=\"_ _6\"></span>gac<span class=\"_ _6\"></span>y ware<span class=\"_ _6\"></span>hou<span class=\"_ _6\"></span>ses a<span class=\"_ _6\"></span>nd SPVs t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>ave sin<span class=\"_ _6\"></span>ce be<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>urcha<span class=\"_ _6\"></span>sed o<span class=\"_ _6\"></span>r nova<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>nto ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es, bu<span class=\"_ _6\"></span>t rem<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n hel<span class=\"_ _6\"></span>d at F<span class=\"_ _6\"></span>V<span class=\"_ _6\"></span>TPL w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss mo<span class=\"_ _6\"></span>del o<span class=\"_ _6\"></span>f ho<span class=\"_ _6\"></span>ldi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he lo<span class=\"_ _6\"></span>ans fo<span class=\"_ _6\"></span>r sa<span class=\"_ _6\"></span>le. Ad<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>lly, loa<span class=\"_ _6\"></span>ns or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ion of s<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g onwa<span class=\"_ _6\"></span>rds are i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ud<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>his c<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>go<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e rece<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>s inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>es t<span class=\"_ _6\"></span>he invoi<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>d amo<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>s in res<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ct of s<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g fees d<span class=\"_ _6\"></span>ue f<span class=\"_ _6\"></span>rom in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l invest<span class=\"_ _6\"></span>ors. T<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial los<span class=\"_ _6\"></span>s is de<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ed m<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>mal b<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>e cou<span class=\"_ _6\"></span>nter<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies are we<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>-es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>nst<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>On<span class=\"_ _6\"></span>goi<span class=\"_ _6\"></span>ng cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t eva<span class=\"_ _6\"></span>lua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on is p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>ed on t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n of ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d, whe<span class=\"_ _6\"></span>re ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate, a prov<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>on for exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s is rec<span class=\"_ _6\"></span>orde<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>div<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al r<span class=\"_ _6\"></span>isk l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts fo<span class=\"_ _6\"></span>r ban<span class=\"_ _6\"></span>ks an<span class=\"_ _6\"></span>d fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns are se<span class=\"_ _6\"></span>t by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p wi<span class=\"_ _6\"></span>th refe<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>ce to ex<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l rat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g age<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>es. T<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s T<span class=\"_ _0\"></span>reasur<span class=\"_ _6\"></span>y Po<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>cy has s<span class=\"_ _6\"></span>et l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd qu<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup mu<span class=\"_ _6\"></span>st re<span class=\"_ _6\"></span>mai<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in. N<span class=\"_ _6\"></span>o cred<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>r cou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y l<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>ts we<span class=\"_ _6\"></span>re excee<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year. The Gro<span class=\"_ _6\"></span>up\u2019s c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s sp<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t by S&amp;<span class=\"_ _6\"></span>P cou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rpa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y r<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng we<span class=\"_ _6\"></span>re A<span class=\"_ _6\"></span>/A- rate<span class=\"_ _6\"></span>d: \u00a367<span class=\"_ _b\"></span>.7 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a351.4 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on), A<span class=\"_ _0\"></span>+ or b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r ra<span class=\"_ _6\"></span>ted: \u00a3<span class=\"_ _6\"></span>84.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a313<span class=\"_ _6\"></span>6.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on), and be<span class=\"_ _6\"></span>low A- r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d: \u00a3ni<span class=\"_ _6\"></span>l (202<span class=\"_ _0\"></span>4: \u00a3ni<span class=\"_ _6\"></span>l)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-446": {
   "value": "Liquidity risk Liq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ris<span class=\"_ _6\"></span>k is th<span class=\"_ _6\"></span>e ri<span class=\"_ _6\"></span>sk th<span class=\"_ _6\"></span>at t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>ill n<span class=\"_ _6\"></span>ot b<span class=\"_ _6\"></span>e abl<span class=\"_ _6\"></span>e to me<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>ts f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al o<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns as t<span class=\"_ _6\"></span>hey fa<span class=\"_ _6\"></span>ll d<span class=\"_ _6\"></span>ue. Th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s ap<span class=\"_ _6\"></span>proa<span class=\"_ _6\"></span>ch to ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>ing l<span class=\"_ _6\"></span>iqu<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>s to ensu<span class=\"_ _6\"></span>re, as fa<span class=\"_ _6\"></span>r as po<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t wil<span class=\"_ _6\"></span>l alw<span class=\"_ _6\"></span>ays have su<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>icie<span class=\"_ _6\"></span>nt f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial res<span class=\"_ _6\"></span>ourc<span class=\"_ _6\"></span>es to me<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>ts l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies w<span class=\"_ _6\"></span>hen du<span class=\"_ _6\"></span>e, und<span class=\"_ _6\"></span>er bo<span class=\"_ _6\"></span>th n<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>mal an<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ress<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns, wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g una<span class=\"_ _6\"></span>cce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>e los<span class=\"_ _6\"></span>ses o<span class=\"_ _6\"></span>r ris<span class=\"_ _6\"></span>kin<span class=\"_ _6\"></span>g dam<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e to the G<span class=\"_ _6\"></span>roup\u2019s p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s liq<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n is mo<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tore<span class=\"_ _6\"></span>d and revi<span class=\"_ _6\"></span>ewed o<span class=\"_ _6\"></span>n an o<span class=\"_ _6\"></span>ngo<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g bas<span class=\"_ _6\"></span>is by th<span class=\"_ _6\"></span>e Dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ors. The a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e foll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es are t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>al u<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>sh fl<span class=\"_ _6\"></span>ows. T<span class=\"_ _6\"></span>he li<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts of b<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>k bo<span class=\"_ _6\"></span>rrowi<span class=\"_ _6\"></span>ngs a<span class=\"_ _6\"></span>re me<span class=\"_ _6\"></span>t from c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s gen<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ated by i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The m<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ysis of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 and 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024 is as fol<span class=\"_ _6\"></span>lows: <table class=\"s w496 hd5\" id=\"_fa6cf4d5-c49b-4a1c-8059-aff9423b4b76\"><tr><td></td><td></td><td class=\"t m0 x871 h28 y2aaf ff53 fs19 fc3 sc0 lsc2 wsdb\">Bet<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x6cd h28 y2aaf ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x872 h28 y2ab0 ff53 fs19 fc3 sc0 lsc8 wsec\">Less<span class=\"_ _0\"></span> than<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x873 h28 y2ab0 ff53 fs19 fc3 sc0 lsca wsee\">3 months<span class=\"_ _0\"></span> and<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x874 h28 y2ab0 ff53 fs19 fc3 sc0 ls12 ws16\">Be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2ab0 ff53 fs19 fc3 sc0 ls12 ws16\">Ove<span class=\"_ _6\"></span>r </td><td class=\"t m0 x875 h28 y2ab0 ff53 fs19 fc3 sc0 lsdb ws103\">undiscount<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7c0 h28 y2ab0 ff53 fs19 fc3 sc0 lscb wsef\">Impact of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x876 h28 y2ab0 ff53 fs19 fc3 sc0 lsca wsee\">Carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x877 h28 y2ab1 ff53 fs19 fc3 sc0 lsca wsee\">3 months<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x878 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">1 yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x879 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d 5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x642 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1aa h28 y2ab1 ff53 fs19 fc3 sc0 lsc8 wsec\">cash flo<span class=\"_ _0\"></span>ws<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x373 h28 y2ab1 ff60 fs19 fc3 sc0 lsdb ws103\">discounting<span class=\"_ _0\"></span>\u200a</td><td class=\"t m0 x4ac h28 y2ab1 ff53 fs19 fc3 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h83 y2ab2 ff54 fs19 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87a h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6ce h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87b h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87c h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ab h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87d h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2ab3 ff54 fs3 fc2 sc0 ls9c ws36\">Financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _57\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _28e\"> </span> <span class=\"_ _101\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x87e y285e w497 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x87f y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x880 y285e w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x881 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x882 y285e w215 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x883 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x884 y285e w35 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>6.7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x885 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x886 y287f w498 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x887 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x888 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x889 y287f w499 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88a y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88b y287f w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88c y28e0 w49a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88d y28e0 w49b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88e y28e0 w49c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(5.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88f y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x890 y28e0 wdb h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x891 y28e0 w49d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x892 y28e0 w398 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x893 y280f w64 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x894 y280f w49e h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(268.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x895 y280f w49c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(5<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x896 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x897 y280f w49f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls25 ws7d\">(281.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x898 y280f w49d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x899 y280f w39d h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(28<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w4a0 hd5\" id=\"_adc87d44-7c72-4faf-bf67-f5bdfefa450b\"><tr><td></td><td></td><td class=\"t m0 x89a h28 y2ab4 ff55 fs19 fc2 sc0 lsca wsee\">Between<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x1ad h28 y2ab4 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x877 h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Les<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>an<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x376 h28 y2ab5 ff56 fs19 fc2 sc0 ls12 ws16\">3 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs an<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89b h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2ab5 ff56 fs19 fc2 sc0 lsca wsee\">Over<span class=\"_ _0\"></span> </td><td class=\"t m0 x89c h28 y2ab5 ff56 fs19 fc2 sc0 lsc9 wsed\">undiscounted<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89d h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>f<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37d h28 y2ab5 ff56 fs19 fc2 sc0 lsfc ws124\">Carr<span class=\"_ _6\"></span>ying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x89e h28 y2ab6 ff56 fs19 fc2 sc0 ls12 ws16\">3 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89f h28 y2ab6 ff56 fs19 fc2 sc0 ls12 ws16\">1 yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2ac h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d 5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a0 h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a1 h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">ca<span class=\"_ _6\"></span>sh f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a5 h28 y2ab6 ff56 fs19 fc2 sc0 lsc9 wsed\">discounting<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7f6 h28 y2ab6 ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2ab7 ff55 fs19 fc2 sc0 ls12 ws16\">At 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2024<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87a h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6ce h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87b h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a2 h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ab h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87d h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2ab8 ff54 fs3 fc2 sc0 ls9c ws36\">Financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _28f\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _101\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _101\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a3 y285e w4a1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8<span class=\"_ _6\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a4 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a5 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a6 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a7 y285e w4a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a8 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a9 y285e w393 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8<span class=\"_ _6\"></span>.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x885 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8aa y287f w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ab y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ac y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ad y287f w396 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ae y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8af y287f w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b0 y280d w4a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b1 y280d w441 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b2 y280d w4a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b3 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b4 y280d w4a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b5 y280d w4a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b6 y280d w39b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x893 y280f w22c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">(8.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b7 y280f w4a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(103.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b8 y280f w4a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b9 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ba y280f w4a9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(11<span class=\"_ _6\"></span>9.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b5 y280f w4a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8bb y280f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>8<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr></table>Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pri<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he dr<span class=\"_ _6\"></span>awn ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>n a comm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ted le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y in th<span class=\"_ _6\"></span>e Flex<span class=\"_ _6\"></span>iPay a<span class=\"_ _6\"></span>nd sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e of \u00a3267<span class=\"_ _b\"></span>.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a310<span class=\"_ _6\"></span>1.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) at a f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing r<span class=\"_ _6\"></span>ate of i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A pl<span class=\"_ _6\"></span>us a ma<span class=\"_ _6\"></span>rgin<span class=\"_ _6\"></span>. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-468": {
   "value": "The m<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ysis of f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial i<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>t 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 and 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2024 is as fol<span class=\"_ _6\"></span>lows: <table class=\"s w496 hd5\" id=\"_fa6cf4d5-c49b-4a1c-8059-aff9423b4b76\"><tr><td></td><td></td><td class=\"t m0 x871 h28 y2aaf ff53 fs19 fc3 sc0 lsc2 wsdb\">Bet<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x6cd h28 y2aaf ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x872 h28 y2ab0 ff53 fs19 fc3 sc0 lsc8 wsec\">Less<span class=\"_ _0\"></span> than<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x873 h28 y2ab0 ff53 fs19 fc3 sc0 lsca wsee\">3 months<span class=\"_ _0\"></span> and<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x874 h28 y2ab0 ff53 fs19 fc3 sc0 ls12 ws16\">Be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2ab0 ff53 fs19 fc3 sc0 ls12 ws16\">Ove<span class=\"_ _6\"></span>r </td><td class=\"t m0 x875 h28 y2ab0 ff53 fs19 fc3 sc0 lsdb ws103\">undiscount<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7c0 h28 y2ab0 ff53 fs19 fc3 sc0 lscb wsef\">Impact of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x876 h28 y2ab0 ff53 fs19 fc3 sc0 lsca wsee\">Carrying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x877 h28 y2ab1 ff53 fs19 fc3 sc0 lsca wsee\">3 months<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x878 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">1 yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x879 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d 5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x642 h28 y2ab1 ff53 fs19 fc3 sc0 ls12 ws16\">5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1aa h28 y2ab1 ff53 fs19 fc3 sc0 lsc8 wsec\">cash flo<span class=\"_ _0\"></span>ws<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x373 h28 y2ab1 ff60 fs19 fc3 sc0 lsdb ws103\">discounting<span class=\"_ _0\"></span>\u200a</td><td class=\"t m0 x4ac h28 y2ab1 ff53 fs19 fc3 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h83 y2ab2 ff54 fs19 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87a h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6ce h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87b h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87c h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ab h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87d h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ab2 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2ab3 ff54 fs3 fc2 sc0 ls9c ws36\">Financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _57\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _28e\"> </span> <span class=\"_ _101\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x87e y285e w497 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x87f y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x880 y285e w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x881 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x882 y285e w215 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x883 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x884 y285e w35 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>6.7)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x885 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x886 y287f w498 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x887 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x888 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x889 y287f w499 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88a y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88b y287f w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88c y28e0 w49a h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88d y28e0 w49b h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88e y28e0 w49c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(5.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x88f y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x890 y28e0 wdb h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x891 y28e0 w49d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x892 y28e0 w398 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x893 y280f w64 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x894 y280f w49e h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(268.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x895 y280f w49c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls75 wsb4\">(5<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x896 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x897 y280f w49f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls25 ws7d\">(281.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x898 y280f w49d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">1<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x899 y280f w39d h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(28<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w4a0 hd5\" id=\"_adc87d44-7c72-4faf-bf67-f5bdfefa450b\"><tr><td></td><td></td><td class=\"t m0 x89a h28 y2ab4 ff55 fs19 fc2 sc0 lsca wsee\">Between<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x1ad h28 y2ab4 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x877 h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Les<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>an<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x376 h28 y2ab5 ff56 fs19 fc2 sc0 ls12 ws16\">3 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs an<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89b h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 1<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d8 h28 y2ab5 ff56 fs19 fc2 sc0 lsca wsee\">Over<span class=\"_ _0\"></span> </td><td class=\"t m0 x89c h28 y2ab5 ff56 fs19 fc2 sc0 lsc9 wsed\">undiscounted<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89d h28 y2ab5 ff55 fs19 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>f<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37d h28 y2ab5 ff56 fs19 fc2 sc0 lsfc ws124\">Carr<span class=\"_ _6\"></span>ying<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x89e h28 y2ab6 ff56 fs19 fc2 sc0 ls12 ws16\">3 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89f h28 y2ab6 ff56 fs19 fc2 sc0 ls12 ws16\">1 yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2ac h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">an<span class=\"_ _6\"></span>d 5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a0 h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">5 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a1 h28 y2ab6 ff55 fs19 fc2 sc0 ls12 ws16\">ca<span class=\"_ _6\"></span>sh f<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a5 h28 y2ab6 ff56 fs19 fc2 sc0 lsc9 wsed\">discounting<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7f6 h28 y2ab6 ff56 fs19 fc2 sc0 lscb wsef\">amount<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2ab7 ff55 fs19 fc2 sc0 ls12 ws16\">At 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2024<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87a h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6ce h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87b h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8a2 h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ab h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87d h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ab7 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 hd y2ab8 ff54 fs3 fc2 sc0 ls9c ws36\">Financial<span class=\"_ _0\"></span> liabilities<span class=\"_ _28f\"> </span><span class=\"ff56 ls12 ws16\"> <span class=\"_ _101\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _101\"> </span> <span class=\"_ _290\"> </span> <span class=\"_ _101\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y285e wca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a3 y285e w4a1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8<span class=\"_ _6\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a4 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a5 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a6 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a7 y285e w4a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a8 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8a9 y285e w393 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(8<span class=\"_ _6\"></span>.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x885 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8aa y287f w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ab y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ac y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ad y287f w396 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ae y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8af y287f w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b0 y280d w4a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b1 y280d w441 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b2 y280d w4a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b3 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b4 y280d w4a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b5 y280d w4a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b6 y280d w39b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x893 y280f w22c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6c wsf9\">(8.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b7 y280f w4a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4c ws108\">(103.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b8 y280f w4a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b9 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ba y280f w4a9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(11<span class=\"_ _6\"></span>9.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8b5 y280f w4a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8bb y280f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7.<span class=\"_ _7\"></span>8<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr></table>Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pri<span class=\"_ _6\"></span>se t<span class=\"_ _6\"></span>he dr<span class=\"_ _6\"></span>awn ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce o<span class=\"_ _6\"></span>n a comm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>ted le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y in th<span class=\"_ _6\"></span>e Flex<span class=\"_ _6\"></span>iPay a<span class=\"_ _6\"></span>nd sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm l<span class=\"_ _6\"></span>oan w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e of \u00a3267<span class=\"_ _b\"></span>.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a310<span class=\"_ _6\"></span>1.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) at a f<span class=\"_ _6\"></span>lo<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing r<span class=\"_ _6\"></span>ate of i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A pl<span class=\"_ _6\"></span>us a ma<span class=\"_ _6\"></span>rgin<span class=\"_ _6\"></span>. ",
   "dimensions": {
    "concept": "ifrs-full:MaturityAnalysisForNonderivativeFinancialLiabilities",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-447": {
   "value": "Market ri<span class=\"_ _0\"></span>sk<span class=\"_ _2f2\"> </span>Ma<span class=\"_ _6\"></span>rket r<span class=\"_ _6\"></span>isk is t<span class=\"_ _6\"></span>he r<span class=\"_ _6\"></span>isk t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue of f<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ture c<span class=\"_ _6\"></span>ash f<span class=\"_ _6\"></span>lows o<span class=\"_ _6\"></span>f a fin<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nt wi<span class=\"_ _6\"></span>ll f<span class=\"_ _6\"></span>luc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ate b<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>e of cha<span class=\"_ _6\"></span>nge<span class=\"_ _6\"></span>s in ma<span class=\"_ _6\"></span>rket pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s. The G<span class=\"_ _6\"></span>roup\u2019s m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket ris<span class=\"_ _6\"></span>k ari<span class=\"_ _6\"></span>ses f<span class=\"_ _6\"></span>rom op<span class=\"_ _6\"></span>en p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons i<span class=\"_ _6\"></span>n inte<span class=\"_ _6\"></span>rest-<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>ng as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s and l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>, to the ex<span class=\"_ _5\"></span>tent t<span class=\"_ _6\"></span>hat t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e are exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>al an<span class=\"_ _6\"></span>d sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic ma<span class=\"_ _6\"></span>rket m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts<span class=\"_ _6\"></span>. a)<span class=\"_ _0\"></span> Other price risk<span class=\"_ _2f2\"> </span>The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of t<span class=\"_ _6\"></span>he SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h are he<span class=\"_ _6\"></span>ld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s ca<span class=\"_ _6\"></span>n fl<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ate de<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng o<span class=\"_ _6\"></span>n mar<span class=\"_ _6\"></span>ket pr<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ng of rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d cred<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk<span class=\"_ _6\"></span>. Thi<span class=\"_ _6\"></span>s is ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he di<span class=\"_ _6\"></span>scou<span class=\"_ _6\"></span>nt r<span class=\"_ _6\"></span>ate us<span class=\"_ _6\"></span>ed to d<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>ve a valu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n for th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>an as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s. A sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to th<span class=\"_ _6\"></span>e disc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes an<span class=\"_ _6\"></span>d def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>tes us<span class=\"_ _6\"></span>ed in t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts me<span class=\"_ _6\"></span>asu<span class=\"_ _6\"></span>red at f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s whi<span class=\"_ _6\"></span>ch are ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ed to g<span class=\"_ _6\"></span>reate<span class=\"_ _6\"></span>r es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n unc<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>y is d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>lose<span class=\"_ _6\"></span>d in n<span class=\"_ _6\"></span>ote 2.<span class=\"_ _2f2\"> </span>b) In<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ate r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t rate r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k in rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion to f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s thro<span class=\"_ _6\"></span>ug<span class=\"_ _6\"></span>h draw<span class=\"_ _6\"></span>n com<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ng fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>nd on f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t in SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans. Non-trading interest<span class=\"_ _0\"></span> rate ri<span class=\"_ _0\"></span>sk<span class=\"_ _2f2\"> </span>The Gro<span class=\"_ _6\"></span>up\u2019s inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t risk on fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ume<span class=\"_ _6\"></span>nts is lim<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ed to intere<span class=\"_ _6\"></span>st rece<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>ble on lo<span class=\"_ _6\"></span>an no<span class=\"_ _6\"></span>te invest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts, ca<span class=\"_ _6\"></span>sh and ca<span class=\"_ _6\"></span>sh equ<span class=\"_ _6\"></span>iva<span class=\"_ _6\"></span>len<span class=\"_ _6\"></span>t ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces an<span class=\"_ _6\"></span>d interes<span class=\"_ _6\"></span>t on bon<span class=\"_ _6\"></span>ds and ba<span class=\"_ _6\"></span>nk bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>. The matu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies of fin<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to intere<span class=\"_ _6\"></span>st rat<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>ri<span class=\"_ _6\"></span>sk are as <span class=\"_ _0\"></span>fol<span class=\"_ _6\"></span>lows:<span class=\"_ _2f2\"> </span><table class=\"s w9d hd6\" id=\"_8b437764-2779-4b77-b942-351d8cebc9fe\"><tr><td></td><td class=\"c n x8bc y2ab9 w4aa h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Les<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>an 3 m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x8bd y2ab9 w4ab h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n 3 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs an<span class=\"_ _6\"></span>d 1 yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x8be y2ab9 w4ac h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">B<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en 1 a<span class=\"_ _6\"></span>nd 5 ye<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x8bf h28 y2aba ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x41a h28 y2aba ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8c0 h28 y2aba ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x418 h28 y2aba ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x419 h28 y2aba ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2aba ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2abb ff55 fs19 fc2 sc0 ls12 ws16\">At 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8c1 h28 y2abb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67c h28 y2abb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x774 h28 y2abb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x67a h28 y2abb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x8c2 h28 y2abb ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2abb ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y2abc ff54 fs3 fc2 sc0 ls5d ws84\">Fi<span class=\"_ _6\"></span>xed r<span class=\"_ _6\"></span>ate<span class=\"_ _291\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _98\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _ef\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2970 w4ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns at a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c3 y2970 we4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c4 y2970 w4ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c5 y2970 w203 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c6 y2970 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c7 y2970 w4af h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c8 y2970 w33b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">1.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2abd w1e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>-inves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8c9 y2abd w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ca y2abd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cb y2abd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cc y2abd w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cd y2abd w381 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">11<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ce y2abd wac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _7\"></span>7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2972 wb9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8cf y2972 w4b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">52.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d0 y2972 w4b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">42.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d1 y2972 w4b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">96.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d2 y2972 w347 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">4<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d3 y2972 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d4 y2972 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y295d w4b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">SM<span class=\"_ _6\"></span>E loa<span class=\"_ _6\"></span>ns fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it a<span class=\"_ _6\"></span>nd lo<span class=\"_ _6\"></span>ss</div><div class=\"t m0 x8d5 h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d6 y295d w265 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">3.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d7 y295d wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d8 y295d w4b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">75.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8d9 y295d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8da y295d w4b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls51 wsa7\">42.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8db y295d w251 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2abe ff54 fs3 fc2 sc0 lsd4 wsf8\">Floating rat<span class=\"_ _0\"></span>e<span class=\"_ _293\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _98\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _16\"> </span> <span class=\"_ _ef\"> </span></span> <span class=\"_ _f9\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1be y285e w4b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t</div><div class=\"t m0 x8dc h3c y29d6 ff56 fs21 fc2 sc0 ls12 ws16\">2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8dd y285e w4b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">24<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8de y285e w7b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8df y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e0 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e1 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e2 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e3 y287f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">152<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e4 y287f w4b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e5 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e6 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e7 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8e8 y287f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y28e0 w4b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s</div><div class=\"t m0 x8e9 h3c y27b1 ff56 fs21 fc2 sc0 ls12 ws16\">2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ea y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8eb y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ec y28e0 w394 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ed y28e0 w397 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ee y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ef y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x8f0 y280f w4b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>2<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f1 y280f w44c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls77 ws7c\">238<span class=\"_ _6\"></span>.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f2 y280f w4ba h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(9<span class=\"_ _6\"></span>5.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f3 y280f w4bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(5<span class=\"_ _6\"></span>4.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f4 y280f w4bc h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">5<span class=\"_ _6\"></span>6.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ae y280f w4bd h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>T<span class=\"_ _6\"></span>he<span class=\"_ gs546\"> </span>S<span class=\"_ _6\"></span>ME<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>at<span class=\"_ gs546\"> </span>f<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>val<span class=\"_ _6\"></span>ue<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>hr<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>gh<span class=\"_ gs546\"> </span>p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>and<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>ar<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>cl<span class=\"_ _6\"></span>ass<span class=\"_ _6\"></span>if<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ed<span class=\"_ gs546\"> </span>as<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>nt<span class=\"_ gs546\"> </span>o<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce<span class=\"_ gs546\"> </span>s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>,<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>fl<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>pos<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>is<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>to<span class=\"_ gs546\"> </span>se<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>l.<span class=\"_ gs546\"> </span>Th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ab<span class=\"_ _6\"></span>ove<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span>represents the contractual maturities.<span class=\"_ _2f2\"> </span>2.<span class=\"_ gs546\"> </span><span class=\"_ _4\"> </span>Flo<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g<span class=\"_ gs546\"> </span>ra<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>l<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>nt<span class=\"_ gs546\"> </span>t<span class=\"_ _6\"></span>he<span class=\"_ gs546\"> </span>C<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>hb<span class=\"_ _6\"></span>ack<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>pr<span class=\"_ _6\"></span>od<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>wh<span class=\"_ _6\"></span>ich<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>rg<span class=\"_ _6\"></span>es<span class=\"_ gs546\"> </span>a<span class=\"_ gs546\"> </span>va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>nn<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>pe<span class=\"_ _6\"></span>rce<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ra<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>in<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The<span class=\"_ _6\"></span>re are no f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>r lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th a m<span class=\"_ _6\"></span>atu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of over f<span class=\"_ _6\"></span>ive yea<span class=\"_ _6\"></span>rs.<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ris<span class=\"_ _6\"></span>k se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>alys<span class=\"_ _6\"></span>is \u2013 n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>adi<span class=\"_ _6\"></span>ng i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t (f<span class=\"_ _6\"></span>ixe<span class=\"_ _6\"></span>d ra<span class=\"_ _6\"></span>te)<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans w<span class=\"_ _6\"></span>as f<span class=\"_ _6\"></span>ixed u<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>il t<span class=\"_ _6\"></span>he ma<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>nd is n<span class=\"_ _6\"></span>ot i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d by ma<span class=\"_ _6\"></span>rket r<span class=\"_ _6\"></span>ate ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es. Th<span class=\"_ _6\"></span>e level o<span class=\"_ _6\"></span>f fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t rate re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le wo<span class=\"_ _6\"></span>uld b<span class=\"_ _6\"></span>e si<span class=\"_ _6\"></span>mil<span class=\"_ _6\"></span>ar to t<span class=\"_ _6\"></span>hat re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ived i<span class=\"_ _6\"></span>n the ye<span class=\"_ _6\"></span>ar an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of move<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts in i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s on th<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red im<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>al to t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019s over<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>l per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e for th<span class=\"_ _6\"></span>e year.<span class=\"_ _2f2\"> </span>Interest rate<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span> sensitivity analysis \u2013<span class=\"_ _0\"></span> non-trading int<span class=\"_ _0\"></span>erest (floating<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es is su<span class=\"_ _6\"></span>bj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to movem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in b<span class=\"_ _6\"></span>ase ra<span class=\"_ _6\"></span>tes. T<span class=\"_ _6\"></span>he Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s mon<span class=\"_ _6\"></span>ito<span class=\"_ _6\"></span>r in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ris<span class=\"_ _6\"></span>k and no<span class=\"_ _6\"></span>te th<span class=\"_ _6\"></span>at ba<span class=\"_ _6\"></span>se ra<span class=\"_ _6\"></span>tes are a<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to de<span class=\"_ _6\"></span>crea<span class=\"_ _6\"></span>se in t<span class=\"_ _6\"></span>he ne<span class=\"_ _6\"></span>ar te<span class=\"_ _6\"></span>rm. A 1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0 bps d<span class=\"_ _6\"></span>ecre<span class=\"_ _6\"></span>ase i<span class=\"_ _6\"></span>n ann<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed to c<span class=\"_ _6\"></span>ash an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nt ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nces t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ds in i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest-<span class=\"_ _6\"></span>bea<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 woul<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e by \u00a31.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on b<span class=\"_ _6\"></span>ank b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>gs rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t are su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e S<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g Over<span class=\"_ _6\"></span>nig<span class=\"_ _6\"></span>ht I<span class=\"_ _6\"></span>ndex Averag<span class=\"_ _6\"></span>e Ra<span class=\"_ _6\"></span>te (\u201cS<span class=\"_ _6\"></span>ONI<span class=\"_ _6\"></span>A<span class=\"_ _0\"></span>\u201d). The G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly pro<span class=\"_ _6\"></span>tec<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>sel<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh t<span class=\"_ _6\"></span>he us<span class=\"_ _6\"></span>e of an in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ca<span class=\"_ _6\"></span>p wi<span class=\"_ _6\"></span>th a s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ike pr<span class=\"_ _6\"></span>ice o<span class=\"_ _6\"></span>f 6.5% an<span class=\"_ _6\"></span>d a not<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>hat i<span class=\"_ _6\"></span>ncre<span class=\"_ _6\"></span>ases i<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>ne wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed dr<span class=\"_ _6\"></span>awdow<span class=\"_ _6\"></span>ns on t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>or bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f the in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t rat<span class=\"_ _6\"></span>e cap i<span class=\"_ _6\"></span>s not m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>al to t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up.<span class=\"_ _2f2\"> </span>If S<span class=\"_ _6\"></span>ON<span class=\"_ _6\"></span>IA were t<span class=\"_ _6\"></span>o inc<span class=\"_ _6\"></span>rease by 1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0 bps, b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>rawn b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e at 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025, th<span class=\"_ _6\"></span>e ann<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s wou<span class=\"_ _6\"></span>ld i<span class=\"_ _6\"></span>ncrea<span class=\"_ _6\"></span>se by \u00a32.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a31.0 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g any im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ate c<span class=\"_ _6\"></span>ap)<span class=\"_ _0\"></span>. Add<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly<span class=\"_ _0\"></span>, whi<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he fe<span class=\"_ _6\"></span>es cha<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>d on Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t are f<span class=\"_ _6\"></span>ixe<span class=\"_ _6\"></span>d for t<span class=\"_ _6\"></span>he du<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of in<span class=\"_ _6\"></span>div<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al d<span class=\"_ _6\"></span>rawd<span class=\"_ _6\"></span>owns, d<span class=\"_ _6\"></span>ue to t<span class=\"_ _6\"></span>he sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t-<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>m and revo<span class=\"_ _6\"></span>lvin<span class=\"_ _6\"></span>g na<span class=\"_ _6\"></span>ture o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e prod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup c<span class=\"_ _6\"></span>an re<span class=\"_ _6\"></span>pri<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>he fee<span class=\"_ _6\"></span>s cha<span class=\"_ _6\"></span>rged o<span class=\"_ _6\"></span>n dr<span class=\"_ _6\"></span>awdow<span class=\"_ _6\"></span>ns at s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>t not<span class=\"_ _6\"></span>ice i<span class=\"_ _6\"></span>n ord<span class=\"_ _6\"></span>er to ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t rate r<span class=\"_ _6\"></span>isk o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e fl<span class=\"_ _6\"></span>oat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g rate b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>gs. I<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest c<span class=\"_ _6\"></span>harg<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n Cas<span class=\"_ _6\"></span>hb<span class=\"_ _6\"></span>ack c<span class=\"_ _6\"></span>ard b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng is re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>ly up<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>ed to al<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>revail<span class=\"_ _6\"></span>ing m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket rat<span class=\"_ _6\"></span>es of in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d is al<span class=\"_ _6\"></span>so sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t te<span class=\"_ _6\"></span>rm i<span class=\"_ _6\"></span>n nat<span class=\"_ _6\"></span>ure. A<span class=\"_ _6\"></span>s a resu<span class=\"_ _6\"></span>lt t<span class=\"_ _6\"></span>here i<span class=\"_ _6\"></span>s not c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ered to b<span class=\"_ _6\"></span>e signific<span class=\"_ _6\"></span>ant int<span class=\"_ _0\"></span>erest<span class=\"_ _0\"></span> rate risk.<span class=\"_ _2f2\"> </span>So<span class=\"_ _6\"></span>me of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019s i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s are th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh wa<span class=\"_ _6\"></span>reho<span class=\"_ _6\"></span>use veh<span class=\"_ _6\"></span>icl<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up is a m<span class=\"_ _6\"></span>ino<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y inves<span class=\"_ _6\"></span>tor. The sen<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>r bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ng fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>ese ve<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>les re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>ve inte<span class=\"_ _6\"></span>rest o<span class=\"_ _6\"></span>n bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s in pr<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts to t<span class=\"_ _6\"></span>he eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s at SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A pl<span class=\"_ _6\"></span>us a ma<span class=\"_ _6\"></span>rgin<span class=\"_ _6\"></span>. The veh<span class=\"_ _6\"></span>icl<span class=\"_ _6\"></span>es have in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ca<span class=\"_ _6\"></span>ps or i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate sw<span class=\"_ _6\"></span>aps w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res whi<span class=\"_ _6\"></span>ch c<span class=\"_ _6\"></span>an mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>iga<span class=\"_ _6\"></span>te th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure ra<span class=\"_ _6\"></span>te ri<span class=\"_ _6\"></span>ses. The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s and c<span class=\"_ _6\"></span>o-<span class=\"_ _6\"></span>invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s are no l<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ger c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to fur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r inc<span class=\"_ _6\"></span>rease<span class=\"_ _6\"></span>s in SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A or t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d SO<span class=\"_ _6\"></span>NIA r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>s a resul<span class=\"_ _6\"></span>t of h<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>g in p<span class=\"_ _6\"></span>lac<span class=\"_ _6\"></span>e.<span class=\"_ _2f2\"> </span>c<span class=\"_ _0\"></span>) Sensitivity analy<span class=\"_ _0\"></span>sis<span class=\"_ _2f2\"> </span>IFRS 7 re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ires d<span class=\"_ _6\"></span>iscl<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re of se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ana<span class=\"_ _6\"></span>lysi<span class=\"_ _6\"></span>s for ea<span class=\"_ _6\"></span>ch t<span class=\"_ _6\"></span>yp<span class=\"_ _6\"></span>e of ma<span class=\"_ _6\"></span>rket r<span class=\"_ _6\"></span>isk to w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d at t<span class=\"_ _6\"></span>he rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t date sh<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g how p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s and e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wo<span class=\"_ _6\"></span>uld h<span class=\"_ _6\"></span>ave bee<span class=\"_ _6\"></span>n af<span class=\"_ _5\"></span>fecte<span class=\"_ _6\"></span>d by cha<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>evan<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at were re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>ly pos<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at d<span class=\"_ _6\"></span>ate. As d<span class=\"_ _6\"></span>iscu<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d ab<span class=\"_ _6\"></span>ove, the G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>oe<span class=\"_ _6\"></span>s not h<span class=\"_ _6\"></span>ave sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to pr<span class=\"_ _6\"></span>ice o<span class=\"_ _6\"></span>r cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ow ris<span class=\"_ _6\"></span>k an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>refore n<span class=\"_ _6\"></span>o sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ana<span class=\"_ _6\"></span>lysis for t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>ks has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of s<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s on SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in no<span class=\"_ _6\"></span>te 2.<span class=\"_ _2f2\"> </span>d)<span class=\"_ _0\"></span> Foreign<span class=\"_ _0\"></span> e<span class=\"_ _0\"></span>xchan<span class=\"_ _0\"></span>ge risk<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>ed in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly an<span class=\"_ _6\"></span>d is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to fore<span class=\"_ _6\"></span>ign exc<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge r<span class=\"_ _6\"></span>isk a<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>rom va<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>us cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy ex<span class=\"_ _6\"></span>posu<span class=\"_ _6\"></span>res, p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>mar<span class=\"_ _6\"></span>ily wi<span class=\"_ _6\"></span>th re<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>o the U<span class=\"_ _6\"></span>K po<span class=\"_ _6\"></span>und s<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ng an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e euro. S<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>e the s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e US bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess i<span class=\"_ _6\"></span>n 202<span class=\"_ _0\"></span>4 th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to th<span class=\"_ _6\"></span>e US do<span class=\"_ _6\"></span>lla<span class=\"_ _6\"></span>r is im<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>al. Fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n excha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k ari<span class=\"_ _6\"></span>ses f<span class=\"_ _6\"></span>rom fu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ure co<span class=\"_ _6\"></span>mme<span class=\"_ _6\"></span>rcia<span class=\"_ _6\"></span>l tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>act<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns, re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>ed as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d lia<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s and n<span class=\"_ _6\"></span>et inv<span class=\"_ _0\"></span>estments in f<span class=\"_ _0\"></span>oreign<span class=\"_ _0\"></span> operations.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s po<span class=\"_ _6\"></span>licy i<span class=\"_ _6\"></span>s, wh<span class=\"_ _6\"></span>ere po<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, to all<span class=\"_ _6\"></span>ow Gro<span class=\"_ _6\"></span>up en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies to s<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies d<span class=\"_ _6\"></span>eno<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fu<span class=\"_ _6\"></span>nc<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>y wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he ca<span class=\"_ _6\"></span>sh ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d fro<span class=\"_ _6\"></span>m the<span class=\"_ _6\"></span>ir ow<span class=\"_ _6\"></span>n ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns in t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. Whe<span class=\"_ _6\"></span>re Grou<span class=\"_ _6\"></span>p ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es have li<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es de<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ated i<span class=\"_ _6\"></span>n a cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fun<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy (a<span class=\"_ _6\"></span>nd have in<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ent res<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ves o<span class=\"_ _6\"></span>f tha<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy to se<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>le th<span class=\"_ _6\"></span>em), cas<span class=\"_ _6\"></span>h alre<span class=\"_ _6\"></span>ady d<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy wil<span class=\"_ _6\"></span>l, wh<span class=\"_ _6\"></span>ere po<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, be t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfe<span class=\"_ _6\"></span>rred f<span class=\"_ _6\"></span>rom e<span class=\"_ _6\"></span>lsew<span class=\"_ _6\"></span>here w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span>Ap<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>t from t<span class=\"_ _6\"></span>hese p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ticu<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>r cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ows, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ai<span class=\"_ _6\"></span>ms to fu<span class=\"_ _6\"></span>nd ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nses a<span class=\"_ _6\"></span>nd inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts in t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>spe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy an<span class=\"_ _6\"></span>d to ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>e forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>k at a lo<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>l level by m<span class=\"_ _6\"></span>atch<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy i<span class=\"_ _6\"></span>n whi<span class=\"_ _6\"></span>ch in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e is ge<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d and ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nses a<span class=\"_ _6\"></span>re inc<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p had c<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in fore<span class=\"_ _6\"></span>ign o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns, wh<span class=\"_ _6\"></span>ose n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s are ex<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>ed to fore<span class=\"_ _6\"></span>ign c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion r<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>k. The t<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow set<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>res fro<span class=\"_ _6\"></span>m fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>nd l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies h<span class=\"_ _6\"></span>eld by G<span class=\"_ _6\"></span>roup c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ies i<span class=\"_ _6\"></span>n cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cies o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>an th<span class=\"_ _6\"></span>eir f<span class=\"_ _6\"></span>unc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al cur<span class=\"_ _6\"></span>renc<span class=\"_ _6\"></span>ies an<span class=\"_ _6\"></span>d resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>ing i<span class=\"_ _6\"></span>n exchan<span class=\"_ _6\"></span>ge move<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts in t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e st<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>nd ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span><table class=\"s w4be hd7\" id=\"_b1cbaaad-9a1b-4c0e-aa79-098d775e1b3e\"><tr><td></td><td></td><td class=\"c n x8f5 y2abf w3a1 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2<span class=\"_ _6\"></span>025<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x8f6 y2abf w4bf h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x8f7 h28 y2ac0 ff53 fs19 fc3 sc0 ls146 ws179\">GBP<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d3 h28 y2ac0 ff53 fs19 fc3 sc0 ls136 ws165\">EUR<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4be h28 y2ac0 ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37b h28 y2ac0 ff55 fs19 fc2 sc0 lsdb ws103\">GBP<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2aa h28 y2ac0 ff55 fs19 fc2 sc0 ls82 wsa1\">EUR<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a6 h28 y2ac0 ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x89a h28 y2ac1 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x85b h28 y2ac1 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4c2 h28 y2ac1 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y2ac1 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y2ac1 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ac1 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28b8 wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f8 y28b8 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8f9 y28b8 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fa y28b8 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fb y28b8 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4c9 y28b8 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fc y28b8 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w4c0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Intra-group assets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fd y28b9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8fe y28b9 w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x8ff y28b9 w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x900 y28b9 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x901 y28b9 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x50c y28b9 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w4c1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Intra-group liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x902 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x903 y280f w4c2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x904 y280f w4c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.7)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x253 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x905 y280f w2eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x906 y280f w4c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(0.5)<span class=\"_ _2f2\"> </span></div></td></tr></table>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p asse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to a 10% d<span class=\"_ _6\"></span>epre<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d 10% a<span class=\"_ _6\"></span>ppre<span class=\"_ _6\"></span>ci<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on i<span class=\"_ _6\"></span>n pou<span class=\"_ _6\"></span>nd s<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g ag<span class=\"_ _6\"></span>ains<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>evan<span class=\"_ _6\"></span>t forei<span class=\"_ _6\"></span>gn cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cies<span class=\"_ _6\"></span>. Whi<span class=\"_ _6\"></span>le 5% is t<span class=\"_ _6\"></span>he se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y rat<span class=\"_ _6\"></span>e use<span class=\"_ _6\"></span>d whe<span class=\"_ _6\"></span>n rep<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g forei<span class=\"_ _6\"></span>gn cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy ri<span class=\"_ _6\"></span>sk in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly to se<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>or ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent p<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>onn<span class=\"_ _6\"></span>el, in l<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>t of rec<span class=\"_ _6\"></span>ent f<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>uat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns in fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n excha<span class=\"_ _6\"></span>nge r<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>, 10% rep<span class=\"_ _6\"></span>rese<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>\u2019s cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of a reas<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>y pos<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ble c<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge i<span class=\"_ _6\"></span>n forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e rate<span class=\"_ _6\"></span>s. Th<span class=\"_ _6\"></span>e sens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ysis to t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>teme<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>nclu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s onl<span class=\"_ _6\"></span>y ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy-d<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>omi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d mo<span class=\"_ _6\"></span>net<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>eir t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e year e<span class=\"_ _6\"></span>nd for a 1<span class=\"_ _6\"></span>0% cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e in fore<span class=\"_ _6\"></span>ign c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy r<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>. The s<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ysis i<span class=\"_ _6\"></span>llus<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rate<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t on t<span class=\"_ _6\"></span>he fore<span class=\"_ _6\"></span>ign c<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>ncy t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he re<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of qu<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>-e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y lo<span class=\"_ _6\"></span>ans t<span class=\"_ _6\"></span>o forei<span class=\"_ _6\"></span>gn op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p and n<span class=\"_ _6\"></span>et i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t in fore<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>n ope<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>tiv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y to f<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons in fo<span class=\"_ _6\"></span>rei<span class=\"_ _6\"></span>gn cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cies i<span class=\"_ _6\"></span>s rela<span class=\"_ _6\"></span>ted to t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>uro am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts h<span class=\"_ _6\"></span>eld i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Pare<span class=\"_ _6\"></span>nt C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any<span class=\"_ _0\"></span>. The imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of a 1<span class=\"_ _6\"></span>0% cha<span class=\"_ _6\"></span>nge i<span class=\"_ _6\"></span>n forei<span class=\"_ _6\"></span>gn cu<span class=\"_ _6\"></span>rren<span class=\"_ _6\"></span>cy ra<span class=\"_ _6\"></span>tes is a<span class=\"_ _6\"></span>s foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span><table class=\"s w4c5 hd8\" id=\"_6879fe28-fd96-4c24-bb23-a2e536eb5d74\"><tr><td></td><td></td><td></td><td class=\"c n x907 y2ac2 w4c6 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Appreciation in<span class=\"_ _0\"></span> pound sterling<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x908 y2ac2 w4c7 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">Depreciation in<span class=\"_ _0\"></span> pound sterling<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x909 h28 y2ac3 ff53 fs19 fc3 sc0 lscb wsef\">Income<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x90a h28 y2ac3 ff55 fs19 fc2 sc0 lsca wsee\">Income<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x6d8 h28 y2ac3 ff53 fs19 fc3 sc0 lscb wsef\">Income<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x29d h28 y2ac3 ff55 fs19 fc2 sc0 lsca wsee\">Income<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x90b h28 y2ac4 ff53 fs19 fc3 sc0 lscc wsa3\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x90c h28 y2ac4 ff53 fs19 fc3 sc0 ls132 ws161\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37e h28 y2ac4 ff56 fs19 fc2 sc0 lsca wsee\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x87b h28 y2ac4 ff55 fs19 fc2 sc0 ls82 wsa1\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x642 h28 y2ac4 ff53 fs19 fc3 sc0 lscc wsa3\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y2ac4 ff53 fs19 fc3 sc0 ls132 ws161\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x90d h28 y2ac4 ff56 fs19 fc2 sc0 lsca wsee\">statement<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x90e h28 y2ac4 ff55 fs19 fc2 sc0 ls82 wsa1\">Equi<span class=\"_ _6\"></span>ty<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x90f h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x910 h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x911 h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x912 h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b3 h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b4 h28 y2ac5 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2ac5 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2ac6 ff55 fs19 fc2 sc0 ls12 ws16\">At 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x913 h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x914 h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6dc h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x915 h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x916 h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bb h28 y2ac6 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bc h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2ac6 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y287f w4c8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">US dollars<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x917 y287f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x918 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x919 y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91a y287f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91b y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91c y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91d y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91e y287f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280d w4c9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2a ws39\">Eur<span class=\"_ _6\"></span>os<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x91f y280d w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x920 y280d w288 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x921 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x922 y280d w4ca h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x923 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x924 y280d wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x925 y280d w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x33f y280d w61 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x926 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x927 y280f w4cb h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _5\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x928 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x929 y280f w4cc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1.0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x92a y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x92b y280f w35b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x92c y280f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a6 y280f w31d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-477": {
   "value": "In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ris<span class=\"_ _6\"></span>k se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y an<span class=\"_ _6\"></span>alys<span class=\"_ _6\"></span>is \u2013 n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>adi<span class=\"_ _6\"></span>ng i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t (f<span class=\"_ _6\"></span>ixe<span class=\"_ _6\"></span>d ra<span class=\"_ _6\"></span>te)<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans w<span class=\"_ _6\"></span>as f<span class=\"_ _6\"></span>ixed u<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>il t<span class=\"_ _6\"></span>he ma<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent a<span class=\"_ _6\"></span>nd is n<span class=\"_ _6\"></span>ot i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d by ma<span class=\"_ _6\"></span>rket r<span class=\"_ _6\"></span>ate ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es. Th<span class=\"_ _6\"></span>e level o<span class=\"_ _6\"></span>f fu<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t rate re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ivab<span class=\"_ _6\"></span>le wo<span class=\"_ _6\"></span>uld b<span class=\"_ _6\"></span>e si<span class=\"_ _6\"></span>mil<span class=\"_ _6\"></span>ar to t<span class=\"_ _6\"></span>hat re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ived i<span class=\"_ _6\"></span>n the ye<span class=\"_ _6\"></span>ar an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of move<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts in i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s on th<span class=\"_ _6\"></span>e val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s is co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red im<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>al to t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019s over<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>l per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e for th<span class=\"_ _6\"></span>e year.<span class=\"_ _2f2\"> </span>Interest rate<span class=\"_ _0\"></span> risk<span class=\"_ _0\"></span> sensitivity analysis \u2013<span class=\"_ _0\"></span> non-trading int<span class=\"_ _0\"></span>erest (floating<span class=\"_ _0\"></span> rate<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>val<span class=\"_ _6\"></span>ent b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>es is su<span class=\"_ _6\"></span>bj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to movem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in b<span class=\"_ _6\"></span>ase ra<span class=\"_ _6\"></span>tes. T<span class=\"_ _6\"></span>he Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s mon<span class=\"_ _6\"></span>ito<span class=\"_ _6\"></span>r in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ris<span class=\"_ _6\"></span>k and no<span class=\"_ _6\"></span>te th<span class=\"_ _6\"></span>at ba<span class=\"_ _6\"></span>se ra<span class=\"_ _6\"></span>tes are a<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to de<span class=\"_ _6\"></span>crea<span class=\"_ _6\"></span>se in t<span class=\"_ _6\"></span>he ne<span class=\"_ _6\"></span>ar te<span class=\"_ _6\"></span>rm. A 1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0 bps d<span class=\"_ _6\"></span>ecre<span class=\"_ _6\"></span>ase i<span class=\"_ _6\"></span>n ann<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d int<span class=\"_ _6\"></span>eres<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s app<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ed to c<span class=\"_ _6\"></span>ash an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nt ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nces t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ds in i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest-<span class=\"_ _6\"></span>bea<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng ac<span class=\"_ _6\"></span>cou<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025 woul<span class=\"_ _6\"></span>d de<span class=\"_ _6\"></span>creas<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t in<span class=\"_ _6\"></span>com<span class=\"_ _6\"></span>e by \u00a31.<span class=\"_ _6\"></span>5 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t on b<span class=\"_ _6\"></span>ank b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>gs rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>e Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t are su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct to m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e S<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g Over<span class=\"_ _6\"></span>nig<span class=\"_ _6\"></span>ht I<span class=\"_ _6\"></span>ndex Averag<span class=\"_ _6\"></span>e Ra<span class=\"_ _6\"></span>te (\u201cS<span class=\"_ _6\"></span>ONI<span class=\"_ _6\"></span>A<span class=\"_ _0\"></span>\u201d). The G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly pro<span class=\"_ _6\"></span>tec<span class=\"_ _6\"></span>ted i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>sel<span class=\"_ _6\"></span>f t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh t<span class=\"_ _6\"></span>he us<span class=\"_ _6\"></span>e of an in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ca<span class=\"_ _6\"></span>p wi<span class=\"_ _6\"></span>th a s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ike pr<span class=\"_ _6\"></span>ice o<span class=\"_ _6\"></span>f 6.5% an<span class=\"_ _6\"></span>d a not<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt t<span class=\"_ _6\"></span>hat i<span class=\"_ _6\"></span>ncre<span class=\"_ _6\"></span>ases i<span class=\"_ _6\"></span>n li<span class=\"_ _6\"></span>ne wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ed dr<span class=\"_ _6\"></span>awdow<span class=\"_ _6\"></span>ns on t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>or bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue o<span class=\"_ _6\"></span>f the in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t rat<span class=\"_ _6\"></span>e cap i<span class=\"_ _6\"></span>s not m<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>al to t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up.<span class=\"_ _2f2\"> </span>If S<span class=\"_ _6\"></span>ON<span class=\"_ _6\"></span>IA were t<span class=\"_ _6\"></span>o inc<span class=\"_ _6\"></span>rease by 1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0 bps, b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>rawn b<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e at 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025, th<span class=\"_ _6\"></span>e ann<span class=\"_ _6\"></span>ual<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d in bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing c<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>s wou<span class=\"_ _6\"></span>ld i<span class=\"_ _6\"></span>ncrea<span class=\"_ _6\"></span>se by \u00a32.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a31.0 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) (in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g any im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct of t<span class=\"_ _6\"></span>he i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ate c<span class=\"_ _6\"></span>ap)<span class=\"_ _0\"></span>. Add<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>lly<span class=\"_ _0\"></span>, whi<span class=\"_ _6\"></span>le t<span class=\"_ _6\"></span>he fe<span class=\"_ _6\"></span>es cha<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>d on Fl<span class=\"_ _6\"></span>exiP<span class=\"_ _6\"></span>ay lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t are f<span class=\"_ _6\"></span>ixe<span class=\"_ _6\"></span>d for t<span class=\"_ _6\"></span>he du<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of in<span class=\"_ _6\"></span>div<span class=\"_ _6\"></span>idu<span class=\"_ _6\"></span>al d<span class=\"_ _6\"></span>rawd<span class=\"_ _6\"></span>owns, d<span class=\"_ _6\"></span>ue to t<span class=\"_ _6\"></span>he sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t-<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>m and revo<span class=\"_ _6\"></span>lvin<span class=\"_ _6\"></span>g na<span class=\"_ _6\"></span>ture o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e prod<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup c<span class=\"_ _6\"></span>an re<span class=\"_ _6\"></span>pri<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>he fee<span class=\"_ _6\"></span>s cha<span class=\"_ _6\"></span>rged o<span class=\"_ _6\"></span>n dr<span class=\"_ _6\"></span>awdow<span class=\"_ _6\"></span>ns at s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>t not<span class=\"_ _6\"></span>ice i<span class=\"_ _6\"></span>n ord<span class=\"_ _6\"></span>er to ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>e inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t rate r<span class=\"_ _6\"></span>isk o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e fl<span class=\"_ _6\"></span>oat<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g rate b<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>rowin<span class=\"_ _6\"></span>gs. I<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest c<span class=\"_ _6\"></span>harg<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n Cas<span class=\"_ _6\"></span>hb<span class=\"_ _6\"></span>ack c<span class=\"_ _6\"></span>ard b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng is re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>ly up<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>ed to al<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>revail<span class=\"_ _6\"></span>ing m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket rat<span class=\"_ _6\"></span>es of in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d is al<span class=\"_ _6\"></span>so sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t te<span class=\"_ _6\"></span>rm i<span class=\"_ _6\"></span>n nat<span class=\"_ _6\"></span>ure. A<span class=\"_ _6\"></span>s a resu<span class=\"_ _6\"></span>lt t<span class=\"_ _6\"></span>here i<span class=\"_ _6\"></span>s not c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ered to b<span class=\"_ _6\"></span>e signific<span class=\"_ _6\"></span>ant int<span class=\"_ _0\"></span>erest<span class=\"_ _0\"></span> rate risk.<span class=\"_ _2f2\"> </span>So<span class=\"_ _6\"></span>me of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019s i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s are th<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>gh wa<span class=\"_ _6\"></span>reho<span class=\"_ _6\"></span>use veh<span class=\"_ _6\"></span>icl<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ere t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up is a m<span class=\"_ _6\"></span>ino<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y inves<span class=\"_ _6\"></span>tor. The sen<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>r bor<span class=\"_ _6\"></span>rowi<span class=\"_ _6\"></span>ng fa<span class=\"_ _6\"></span>cil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>ese ve<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>les re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>ve inte<span class=\"_ _6\"></span>rest o<span class=\"_ _6\"></span>n bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s in pr<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts to t<span class=\"_ _6\"></span>he eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y inves<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s at SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A pl<span class=\"_ _6\"></span>us a ma<span class=\"_ _6\"></span>rgin<span class=\"_ _6\"></span>. The veh<span class=\"_ _6\"></span>icl<span class=\"_ _6\"></span>es have in<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t ra<span class=\"_ _6\"></span>te ca<span class=\"_ _6\"></span>ps or i<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate sw<span class=\"_ _6\"></span>aps w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res whi<span class=\"_ _6\"></span>ch c<span class=\"_ _6\"></span>an mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>iga<span class=\"_ _6\"></span>te th<span class=\"_ _6\"></span>e imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t of f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure ra<span class=\"_ _6\"></span>te ri<span class=\"_ _6\"></span>ses. The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s and c<span class=\"_ _6\"></span>o-<span class=\"_ _6\"></span>invest<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s are no l<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>ger c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve to fur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r inc<span class=\"_ _6\"></span>rease<span class=\"_ _6\"></span>s in SO<span class=\"_ _6\"></span>NI<span class=\"_ _6\"></span>A or t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>roje<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d SO<span class=\"_ _6\"></span>NIA r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>s a resul<span class=\"_ _6\"></span>t of h<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>g in p<span class=\"_ _6\"></span>lac<span class=\"_ _6\"></span>e.<span class=\"_ _2f2\"> </span>c<span class=\"_ _0\"></span>) Sensitivity analy<span class=\"_ _0\"></span>sis<span class=\"_ _2f2\"> </span>IFRS 7 re<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ires d<span class=\"_ _6\"></span>iscl<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re of se<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ana<span class=\"_ _6\"></span>lysi<span class=\"_ _6\"></span>s for ea<span class=\"_ _6\"></span>ch t<span class=\"_ _6\"></span>yp<span class=\"_ _6\"></span>e of ma<span class=\"_ _6\"></span>rket r<span class=\"_ _6\"></span>isk to w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d at t<span class=\"_ _6\"></span>he rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t date sh<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g how p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t or l<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>s and e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y wo<span class=\"_ _6\"></span>uld h<span class=\"_ _6\"></span>ave bee<span class=\"_ _6\"></span>n af<span class=\"_ _5\"></span>fecte<span class=\"_ _6\"></span>d by cha<span class=\"_ _6\"></span>ngi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he rel<span class=\"_ _6\"></span>evan<span class=\"_ _6\"></span>t ris<span class=\"_ _6\"></span>k var<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>ble<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>at were re<span class=\"_ _6\"></span>aso<span class=\"_ _6\"></span>nab<span class=\"_ _6\"></span>ly pos<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ble a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at d<span class=\"_ _6\"></span>ate. As d<span class=\"_ _6\"></span>iscu<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d ab<span class=\"_ _6\"></span>ove, the G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>oe<span class=\"_ _6\"></span>s not h<span class=\"_ _6\"></span>ave sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt exp<span class=\"_ _6\"></span>osu<span class=\"_ _6\"></span>re to pr<span class=\"_ _6\"></span>ice o<span class=\"_ _6\"></span>r cas<span class=\"_ _6\"></span>h fl<span class=\"_ _6\"></span>ow ris<span class=\"_ _6\"></span>k an<span class=\"_ _6\"></span>d the<span class=\"_ _6\"></span>refore n<span class=\"_ _6\"></span>o sen<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ana<span class=\"_ _6\"></span>lysis for t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e ris<span class=\"_ _6\"></span>ks has b<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>clos<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of s<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to d<span class=\"_ _6\"></span>isco<span class=\"_ _6\"></span>unt r<span class=\"_ _6\"></span>ates a<span class=\"_ _6\"></span>nd d<span class=\"_ _6\"></span>efau<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>t rate<span class=\"_ _6\"></span>s on SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>eld a<span class=\"_ _6\"></span>t fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in no<span class=\"_ _6\"></span>te 2.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:SensitivityAnalysisForEachTypeOfMarketRisk",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-448": {
   "value": "Capital management<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p cons<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ers i<span class=\"_ _6\"></span>ts c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al to c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>ris<span class=\"_ _6\"></span>e it<span class=\"_ _6\"></span>s ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>re ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l, sh<span class=\"_ _6\"></span>are pre<span class=\"_ _6\"></span>miu<span class=\"_ _6\"></span>m, forei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>e rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve, sha<span class=\"_ _6\"></span>re opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve and re<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d ear<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>. Qua<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail is s<span class=\"_ _6\"></span>how<span class=\"_ _6\"></span>n in th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t of cha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>es in e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>The D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs\u2019 o<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive wh<span class=\"_ _6\"></span>en m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>g ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l is to s<span class=\"_ _6\"></span>afeg<span class=\"_ _6\"></span>uard t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019<span class=\"_ _6\"></span>s abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y to con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue a<span class=\"_ _6\"></span>s a goi<span class=\"_ _6\"></span>ng co<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>rn i<span class=\"_ _6\"></span>n orde<span class=\"_ _6\"></span>r to provi<span class=\"_ _6\"></span>de re<span class=\"_ _6\"></span>tur<span class=\"_ _6\"></span>ns for t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>lde<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ts for o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>keho<span class=\"_ _6\"></span>lde<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d to ma<span class=\"_ _6\"></span>int<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>n an op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>mal c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re to red<span class=\"_ _6\"></span>uce t<span class=\"_ _6\"></span>he cos<span class=\"_ _6\"></span>t of c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al.<span class=\"_ _2f2\"> </span>The D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs mo<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>tor a nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er of K<span class=\"_ _6\"></span>PIs at b<span class=\"_ _6\"></span>ot<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up an<span class=\"_ _6\"></span>d ind<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>al su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y level o<span class=\"_ _6\"></span>n a mo<span class=\"_ _6\"></span>nth<span class=\"_ _6\"></span>ly b<span class=\"_ _6\"></span>asis<span class=\"_ _6\"></span>. As p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he bu<span class=\"_ _6\"></span>dge<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y pro<span class=\"_ _6\"></span>ces<span class=\"_ _6\"></span>s, ta<span class=\"_ _6\"></span>rge<span class=\"_ _6\"></span>ts are s<span class=\"_ _6\"></span>et wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t befo<span class=\"_ _6\"></span>re ta<span class=\"_ _6\"></span>x in ord<span class=\"_ _6\"></span>er to e<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vely m<span class=\"_ _6\"></span>ana<span class=\"_ _6\"></span>ge t<span class=\"_ _6\"></span>he ac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. Per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>ance i<span class=\"_ _6\"></span>s reviewe<span class=\"_ _6\"></span>d on a re<span class=\"_ _6\"></span>gu<span class=\"_ _6\"></span>lar b<span class=\"_ _6\"></span>asi<span class=\"_ _6\"></span>s and a<span class=\"_ _6\"></span>ppro<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>iat<span class=\"_ _6\"></span>e act<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns are t<span class=\"_ _6\"></span>aken a<span class=\"_ _6\"></span>s requ<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>d. The<span class=\"_ _6\"></span>se in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>nal m<span class=\"_ _6\"></span>easu<span class=\"_ _6\"></span>res in<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>cat<span class=\"_ _6\"></span>e the pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>nce of t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s aga<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>t bu<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>/<span class=\"_ _6\"></span>fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d con<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>rm wh<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>her t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as ad<span class=\"_ _6\"></span>eq<span class=\"_ _6\"></span>ua<span class=\"_ _6\"></span>te resou<span class=\"_ _6\"></span>rces to m<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>t it<span class=\"_ _6\"></span>s working capital r<span class=\"_ _0\"></span>equirements.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p is sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to ex<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ern<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts by t<span class=\"_ _6\"></span>he Fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l Co<span class=\"_ _6\"></span>ndu<span class=\"_ _6\"></span>ct Au<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hor<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y bu<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>ese a<span class=\"_ _6\"></span>re lower t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>n in<span class=\"_ _6\"></span>tern<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y se<span class=\"_ _6\"></span>t requ<span class=\"_ _6\"></span>irem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts. D<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p com<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h all ex<span class=\"_ _5\"></span>tern<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y imp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d req<span class=\"_ _6\"></span>uire<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-410": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls2b ws33 gs709\">17<span class=\"_ _a\"></span>. Share capital<span class=\"_ _2f2\"> </span></div><div class=\"gs51f\"><table class=\"s w4cd hd9\" id=\"_fee71cf1-e318-4e47-aad0-6366e43fde04\"><tr><td></td><td class=\"t m0 x92d h28 y2ac7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x92e h28 y2ac7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x51e h28 y2ac7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2ac7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x92f h28 y2ac8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x930 h28 y2ac8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x520 h28 y2ac8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2ac8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x931 h28 y2ac9 ff53 fs19 fc3 sc0 lsca wsee\">Number<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x678 h28 y2ac9 ff53 fs19 fc3 sc0 ls12 ws16\">\u00a3<span class=\"_ _3\"> </span><span class=\"ff56 fc2\"> </span></td><td class=\"t m0 x932 h28 y2ac9 ff55 fs19 fc2 sc0 lsc9 wsed\">Number<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x933 h28 y2ac9 ff56 fs19 fc2 sc0 ls12 ws16\">\u00a3<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y2aca ff54 fs3 fc2 sc0 lsdd ws90\">Called up<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span> allotted and<span class=\"_ _0\"></span> fully<span class=\"_ _0\"></span> paid<span class=\"_ _291\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _ff\"> </span> <span class=\"_ _16\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _8a\"> </span> <span class=\"_ _ff\"> </span> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y293b w4ce h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares of \u00a3<span class=\"_ _6\"></span>0.001 a<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g of t<span class=\"_ _6\"></span>he year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x934 y293b w4cf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">3<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>7,<span class=\"_ _5\"></span>9<span class=\"_ _5\"></span>3<span class=\"_ _5\"></span>5<span class=\"_ _5\"></span>,<span class=\"_ _6\"></span>7<span class=\"_ _7\"> </span>7<span class=\"_ _5\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x935 y293b w4d0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">3<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>7,<span class=\"_ _5\"></span>9<span class=\"_ _5\"></span>3<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x936 y293b w4d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">361,303<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>43<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x937 y293b w4d2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd9 ws65\">361,303<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w4d3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Sh<span class=\"_ _6\"></span>are bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>cks an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x938 y28e0 w4d4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls81 wsad\">(23,<span class=\"_ _b\"></span>1<span class=\"_ _6\"></span>94,203)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x939 y28e0 w4d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls91 wsa0\">(<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>,1<span class=\"_ _5\"></span>9<span class=\"_ _6\"></span>4<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93a y28e0 w4d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsdf ws107\">(<span class=\"_ _0\"></span>33,367<span class=\"_ _a\"></span>,3<span class=\"_ _6\"></span>64<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93b y28e0 w4d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3<span class=\"_ _6\"></span>3,<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>67<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w4d8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares of \u00a3<span class=\"_ _6\"></span>0.001 a<span class=\"_ _6\"></span>t end o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93c y280f w4d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd4 wsf8\">304,7<span class=\"_ _b\"></span>4<span class=\"_ _0\"></span>1,57<span class=\"_ _0\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93d y280f w4da h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5b ws63\">3<span class=\"_ _5\"></span>0<span class=\"_ _6\"></span>4<span class=\"_ _6\"></span>,<span class=\"_ _6\"></span>74<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93e y280f w4db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>7,<span class=\"_ _5\"></span>9<span class=\"_ _7\"> </span>3<span class=\"_ _5\"></span>5<span class=\"_ _7\"> </span>,<span class=\"_ _5\"></span>7<span class=\"_ _7\"></span>7<span class=\"_ _5\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93f y280f w4dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>7,<span class=\"_ _7\"> </span>9<span class=\"_ _5\"></span>3<span class=\"_ _7\"> </span>6<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs70a\">No o<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares we<span class=\"_ _6\"></span>re iss<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d in 2025 or 2024 in con<span class=\"_ _6\"></span>nec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>re sch<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs70b\">The s<span class=\"_ _6\"></span>hare c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al re<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ced by \u00a3n<span class=\"_ _6\"></span>il i<span class=\"_ _6\"></span>n the ye<span class=\"_ _6\"></span>ar (2024: \u00a30.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>ion) as a res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t of sh<span class=\"_ _6\"></span>are bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>cks a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ance<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s. Fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs70c\">reg<span class=\"_ _6\"></span>ardi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he sh<span class=\"_ _6\"></span>are bu<span class=\"_ _6\"></span>yb<span class=\"_ _6\"></span>acks c<span class=\"_ _6\"></span>an b<span class=\"_ _6\"></span>e foun<span class=\"_ _6\"></span>d in n<span class=\"_ _6\"></span>ote 20.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2a ws39 gs70d\">In<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in the to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l numb<span class=\"_ _6\"></span>er of ord<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing are 9,6<span class=\"_ _6\"></span>65,<span class=\"_ _6\"></span>303 (2024: 8,038,4<span class=\"_ _6\"></span>83) sh<span class=\"_ _6\"></span>ares he<span class=\"_ _6\"></span>ld by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s Empl<span class=\"_ _6\"></span>oyee </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2a ws39 gs70e\">Be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>it T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t, wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude<span class=\"_ _6\"></span>s a cumul<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce of 9,52<span class=\"_ _0\"></span>4,479 shares (2024: 7<span class=\"_ _a\"></span>,8<span class=\"_ _6\"></span>97<span class=\"_ _a\"></span>,<span class=\"_ _6\"></span>659) t<span class=\"_ _6\"></span>hat we<span class=\"_ _6\"></span>re purch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d (of whic<span class=\"_ _6\"></span>h 7<span class=\"_ _a\"></span>,7<span class=\"_ _0\"></span>45,27<span class=\"_ _6\"></span>7 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2a ws39 gs70f\">were pu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>sed in t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r (202<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>: nil), 5,91<span class=\"_ _6\"></span>8,45<span class=\"_ _6\"></span>7 (202<span class=\"_ _0\"></span>4: 8,575,<span class=\"_ _6\"></span>571) we<span class=\"_ _6\"></span>re ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed to s<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>sf<span class=\"_ _6\"></span>y em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee sha<span class=\"_ _6\"></span>re opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n pla<span class=\"_ _6\"></span>ns in th<span class=\"_ _6\"></span>e year </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs710\">an<span class=\"_ _6\"></span>d 200,00<span class=\"_ _6\"></span>0 (2024<span class=\"_ _0\"></span>: nil) were t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d to sat<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>y exercise<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s Sha<span class=\"_ _6\"></span>re Inc<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ive Pl<span class=\"_ _6\"></span>an T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t in th<span class=\"_ _6\"></span>e year). Add<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs711\">3,513<span class=\"_ _6\"></span>,<span class=\"_ _0\"></span>114 (202<span class=\"_ _0\"></span>4: 4,051,3<span class=\"_ _6\"></span>62) sha<span class=\"_ _6\"></span>res are he<span class=\"_ _6\"></span>ld by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s Sha<span class=\"_ _6\"></span>re Inc<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ive Pl<span class=\"_ _6\"></span>an T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs712\">In<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in th<span class=\"_ _6\"></span>e tot<span class=\"_ _6\"></span>al n<span class=\"_ _6\"></span>umb<span class=\"_ _6\"></span>er of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng are 2,<span class=\"_ _6\"></span>371,7<span class=\"_ _6\"></span>72 sha<span class=\"_ _6\"></span>res he<span class=\"_ _6\"></span>ld in t<span class=\"_ _6\"></span>rea<span class=\"_ _6\"></span>sur<span class=\"_ _6\"></span>y by t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up wh<span class=\"_ _6\"></span>ich s<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>de of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs713\">EBT (202<span class=\"_ _0\"></span>4: \u00a3ni<span class=\"_ _6\"></span>l) whic<span class=\"_ _6\"></span>h were p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ased i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e year.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls77 wsfb gs714\">18. Share premiu<span class=\"_ _6\"></span>m account<span class=\"_ _2f2\"> </span></div><div class=\"gs715\"><table class=\"s w4dd hda\" id=\"_ca4f0963-9795-49b6-acb0-92b378e6f809\"><tr><td></td><td class=\"t m0 x24e h28 y2acb ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2acb ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2acc ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2acc ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2902 w4de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1b7 y2902 w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x940 y2902 w4df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f3 w4e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xercis<span class=\"_ _6\"></span>e of op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons \u2013 p<span class=\"_ _6\"></span>roce<span class=\"_ _6\"></span>eds re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ived<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x941 y29f3 w160 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x942 y29f3 w2ab h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w111 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Capit<span class=\"_ _6\"></span>al r<span class=\"_ _0\"></span>eduction<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x943 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x944 y2861 w4e1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(293<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w4e2 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x945 y2810 we7 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x946 y2810 we8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs716\">In 2024, the G<span class=\"_ _6\"></span>roup c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ted a c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al red<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on exerc<span class=\"_ _6\"></span>ise u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r se<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion 6<span class=\"_ _6\"></span>41 of th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>nies A<span class=\"_ _6\"></span>ct 20<span class=\"_ _6\"></span>06<span class=\"_ _6\"></span>. As a res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs717\">sh<span class=\"_ _6\"></span>are pre<span class=\"_ _6\"></span>miu<span class=\"_ _6\"></span>m bal<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e at t<span class=\"_ _6\"></span>hat d<span class=\"_ _6\"></span>ate of \u00a3<span class=\"_ _6\"></span>293,48<span class=\"_ _6\"></span>6,755 w<span class=\"_ _6\"></span>as c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd crea<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>n acc<span class=\"_ _6\"></span>umu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs718\">an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s acco<span class=\"_ _6\"></span>unt a<span class=\"_ _6\"></span>nd n<span class=\"_ _6\"></span>ow con<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tes a dis<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rib<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tab<span class=\"_ _6\"></span>le re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve.<span class=\"_ _2f2\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-449": {
   "value": "17<span class=\"_ _a\"></span>. Share capital<span class=\"_ _2f2\"> </span><table class=\"s w4cd hd9\" id=\"_fee71cf1-e318-4e47-aad0-6366e43fde04\"><tr><td></td><td class=\"t m0 x92d h28 y2ac7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x92e h28 y2ac7 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x51e h28 y2ac7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2ac7 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x92f h28 y2ac8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x930 h28 y2ac8 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x520 h28 y2ac8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2ac8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x931 h28 y2ac9 ff53 fs19 fc3 sc0 lsca wsee\">Number<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x678 h28 y2ac9 ff53 fs19 fc3 sc0 ls12 ws16\">\u00a3<span class=\"_ _3\"> </span><span class=\"ff56 fc2\"> </span></td><td class=\"t m0 x932 h28 y2ac9 ff55 fs19 fc2 sc0 lsc9 wsed\">Number<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x933 h28 y2ac9 ff56 fs19 fc2 sc0 ls12 ws16\">\u00a3<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 hd y2aca ff54 fs3 fc2 sc0 lsdd ws90\">Called up<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span> allotted and<span class=\"_ _0\"></span> fully<span class=\"_ _0\"></span> paid<span class=\"_ _291\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _ff\"> </span> <span class=\"_ _16\"> </span><span class=\"ff56 fc2\"> <span class=\"_ _8a\"> </span> <span class=\"_ _ff\"> </span> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y293b w4ce h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares of \u00a3<span class=\"_ _6\"></span>0.001 a<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g of t<span class=\"_ _6\"></span>he year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x934 y293b w4cf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">3<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>7,<span class=\"_ _5\"></span>9<span class=\"_ _5\"></span>3<span class=\"_ _5\"></span>5<span class=\"_ _5\"></span>,<span class=\"_ _6\"></span>7<span class=\"_ _7\"> </span>7<span class=\"_ _5\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x935 y293b w4d0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">3<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>7,<span class=\"_ _5\"></span>9<span class=\"_ _5\"></span>3<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x936 y293b w4d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">361,303<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>43<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x937 y293b w4d2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd9 ws65\">361,303<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w4d3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Sh<span class=\"_ _6\"></span>are bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>cks an<span class=\"_ _6\"></span>d ca<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x938 y28e0 w4d4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls81 wsad\">(23,<span class=\"_ _b\"></span>1<span class=\"_ _6\"></span>94,203)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x939 y28e0 w4d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls91 wsa0\">(<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>,1<span class=\"_ _5\"></span>9<span class=\"_ _6\"></span>4<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93a y28e0 w4d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsdf ws107\">(<span class=\"_ _0\"></span>33,367<span class=\"_ _a\"></span>,3<span class=\"_ _6\"></span>64<span class=\"_ _0\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93b y28e0 w4d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3<span class=\"_ _6\"></span>3,<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>67<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w4d8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares of \u00a3<span class=\"_ _6\"></span>0.001 a<span class=\"_ _6\"></span>t end o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93c y280f w4d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsd4 wsf8\">304,7<span class=\"_ _b\"></span>4<span class=\"_ _0\"></span>1,57<span class=\"_ _0\"></span>6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93d y280f w4da h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5b ws63\">3<span class=\"_ _5\"></span>0<span class=\"_ _6\"></span>4<span class=\"_ _6\"></span>,<span class=\"_ _6\"></span>74<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93e y280f w4db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>7,<span class=\"_ _5\"></span>9<span class=\"_ _7\"> </span>3<span class=\"_ _5\"></span>5<span class=\"_ _7\"> </span>,<span class=\"_ _5\"></span>7<span class=\"_ _7\"></span>7<span class=\"_ _5\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x93f y280f w4dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">3<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>7,<span class=\"_ _7\"> </span>9<span class=\"_ _5\"></span>3<span class=\"_ _7\"> </span>6<span class=\"_ _2f2\"> </span></div></td></tr></table>No o<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares we<span class=\"_ _6\"></span>re iss<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d in 2025 or 2024 in con<span class=\"_ _6\"></span>nec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>re sch<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>The s<span class=\"_ _6\"></span>hare c<span class=\"_ _6\"></span>ap<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>al re<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>ced by \u00a3n<span class=\"_ _6\"></span>il i<span class=\"_ _6\"></span>n the ye<span class=\"_ _6\"></span>ar (2024: \u00a30.<span class=\"_ _0\"></span>1 mill<span class=\"_ _6\"></span>ion) as a res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t of sh<span class=\"_ _6\"></span>are bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>cks a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>ance<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s. Fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls reg<span class=\"_ _6\"></span>ardi<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he sh<span class=\"_ _6\"></span>are bu<span class=\"_ _6\"></span>yb<span class=\"_ _6\"></span>acks c<span class=\"_ _6\"></span>an b<span class=\"_ _6\"></span>e foun<span class=\"_ _6\"></span>d in n<span class=\"_ _6\"></span>ote 20.<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in the to<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l numb<span class=\"_ _6\"></span>er of ord<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing are 9,6<span class=\"_ _6\"></span>65,<span class=\"_ _6\"></span>303 (2024: 8,038,4<span class=\"_ _6\"></span>83) sh<span class=\"_ _6\"></span>ares he<span class=\"_ _6\"></span>ld by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s Empl<span class=\"_ _6\"></span>oyee Be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>it T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t, wh<span class=\"_ _6\"></span>ich i<span class=\"_ _6\"></span>ncl<span class=\"_ _6\"></span>ude<span class=\"_ _6\"></span>s a cumul<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce of 9,52<span class=\"_ _0\"></span>4,479 shares (2024: 7<span class=\"_ _a\"></span>,8<span class=\"_ _6\"></span>97<span class=\"_ _a\"></span>,<span class=\"_ _6\"></span>659) t<span class=\"_ _6\"></span>hat we<span class=\"_ _6\"></span>re purch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d (of whic<span class=\"_ _6\"></span>h 7<span class=\"_ _a\"></span>,7<span class=\"_ _0\"></span>45,27<span class=\"_ _6\"></span>7 were pu<span class=\"_ _6\"></span>rcha<span class=\"_ _6\"></span>sed in t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r (202<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>: nil), 5,91<span class=\"_ _6\"></span>8,45<span class=\"_ _6\"></span>7 (202<span class=\"_ _0\"></span>4: 8,575,<span class=\"_ _6\"></span>571) we<span class=\"_ _6\"></span>re ut<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>sed to s<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>sf<span class=\"_ _6\"></span>y em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee sha<span class=\"_ _6\"></span>re opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n pla<span class=\"_ _6\"></span>ns in th<span class=\"_ _6\"></span>e year an<span class=\"_ _6\"></span>d 200,00<span class=\"_ _6\"></span>0 (2024<span class=\"_ _0\"></span>: nil) were t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d to sat<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>y exercise<span class=\"_ _6\"></span>s in th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s Sha<span class=\"_ _6\"></span>re Inc<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ive Pl<span class=\"_ _6\"></span>an T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t in th<span class=\"_ _6\"></span>e year). Add<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, 3,513<span class=\"_ _6\"></span>,<span class=\"_ _0\"></span>114 (202<span class=\"_ _0\"></span>4: 4,051,3<span class=\"_ _6\"></span>62) sha<span class=\"_ _6\"></span>res are he<span class=\"_ _6\"></span>ld by th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s Sha<span class=\"_ _6\"></span>re Inc<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ive Pl<span class=\"_ _6\"></span>an T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t.<span class=\"_ _2f2\"> </span>In<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in th<span class=\"_ _6\"></span>e tot<span class=\"_ _6\"></span>al n<span class=\"_ _6\"></span>umb<span class=\"_ _6\"></span>er of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng are 2,<span class=\"_ _6\"></span>371,7<span class=\"_ _6\"></span>72 sha<span class=\"_ _6\"></span>res he<span class=\"_ _6\"></span>ld in t<span class=\"_ _6\"></span>rea<span class=\"_ _6\"></span>sur<span class=\"_ _6\"></span>y by t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up wh<span class=\"_ _6\"></span>ich s<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>de of t<span class=\"_ _6\"></span>he EBT (202<span class=\"_ _0\"></span>4: \u00a3ni<span class=\"_ _6\"></span>l) whic<span class=\"_ _6\"></span>h were p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ased i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e year.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-450": {
   "value": "18. Share premiu<span class=\"_ _6\"></span>m account<span class=\"_ _2f2\"> </span><table class=\"s w4dd hda\" id=\"_ca4f0963-9795-49b6-acb0-92b378e6f809\"><tr><td></td><td class=\"t m0 x24e h28 y2acb ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2acb ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2acc ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2acc ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2902 w4de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1b7 y2902 w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x940 y2902 w4df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">2<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y29f3 w4e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">E<span class=\"_ _6\"></span>xercis<span class=\"_ _6\"></span>e of op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons \u2013 p<span class=\"_ _6\"></span>roce<span class=\"_ _6\"></span>eds re<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>ived<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x941 y29f3 w160 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x942 y29f3 w2ab h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w111 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Capit<span class=\"_ _6\"></span>al r<span class=\"_ _0\"></span>eduction<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x943 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x944 y2861 w4e1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">(293<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w4e2 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x945 y2810 we7 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls2b ws66\">0.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x946 y2810 we8 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr></table>In 2024, the G<span class=\"_ _6\"></span>roup c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ted a c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al red<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on exerc<span class=\"_ _6\"></span>ise u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r se<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion 6<span class=\"_ _6\"></span>41 of th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>nies A<span class=\"_ _6\"></span>ct 20<span class=\"_ _6\"></span>06<span class=\"_ _6\"></span>. As a res<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>re sh<span class=\"_ _6\"></span>are pre<span class=\"_ _6\"></span>miu<span class=\"_ _6\"></span>m bal<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e at t<span class=\"_ _6\"></span>hat d<span class=\"_ _6\"></span>ate of \u00a3<span class=\"_ _6\"></span>293,48<span class=\"_ _6\"></span>6,755 w<span class=\"_ _6\"></span>as c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd crea<span class=\"_ _6\"></span>ted a<span class=\"_ _6\"></span>n acc<span class=\"_ _6\"></span>umu<span class=\"_ _6\"></span>late<span class=\"_ _6\"></span>d prof<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s acco<span class=\"_ _6\"></span>unt a<span class=\"_ _6\"></span>nd n<span class=\"_ _6\"></span>ow con<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tes a dis<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rib<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tab<span class=\"_ _6\"></span>le re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve.<span class=\"_ _2f2\"> </span><div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls3 ws3 gs71a\">19. Fo<span class=\"_ _6\"></span>rei<span class=\"_ _6\"></span>gn exch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve</div><div class=\"gs51f\"><table class=\"s w4e3 hdb\" id=\"_5a5ab757-7714-4ff6-ac71-2eaeedb35e34\"><tr><td></td><td class=\"t m0 x1b9 h28 y2acd ff56 fs19 fc2 sc0 ls12 ws16\"> <span class=\"_ _29b\"> </span><span class=\"lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></span></td></tr><tr><td class=\"c n x1be y2947 w2e4 h9d\"><div class=\"t m0 x1b5 h5 y27eb ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x786 y2947 wfd h9d\"><div class=\"t m0 x1b5 h5 y27eb ff56 fs3 fc2 sc0 ls12 ws16\">14.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28bd w4e4 h9d\"><div class=\"t m0 x1b5 h5 y27eb ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange difference<span class=\"_ _0\"></span> on translating<span class=\"_ _0\"></span> the net a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span>eign operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x947 y28bd w76 h9d\"><div class=\"t m0 x1b5 h5 y27eb ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y293a w4e5 h9d\"><div class=\"t m0 x1b5 h5 y27eb ff55 fs3 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>clas<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to p<span class=\"_ _6\"></span>rofi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s on d<span class=\"_ _6\"></span>isp<span class=\"_ _6\"></span>osa<span class=\"_ _6\"></span>l of di<span class=\"_ _6\"></span>sco<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>inu<span class=\"_ _6\"></span>ed op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x450 y293a w77 h9d\"><div class=\"t m0 x1b5 h5 y27eb ff55 fs3 fc2 sc0 ls69 wsb9\">(8.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x948 y2860 wec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls25 ws7d\">5.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w4e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Exchange difference<span class=\"_ _0\"></span> on translating<span class=\"_ _0\"></span> the net a<span class=\"_ _0\"></span>ssets of<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span>eign operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x484 y2861 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2f5 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x949 y2810 web h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls5 ws43\">5.3<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs71b\">E<span class=\"_ _6\"></span>xchan<span class=\"_ _6\"></span>ge d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>ferenc<span class=\"_ _6\"></span>es rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing to t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsl<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of t<span class=\"_ _6\"></span>he n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>es fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>eir f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>ncy i<span class=\"_ _6\"></span>nto </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs71c\">th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny\u2019s f<span class=\"_ _6\"></span>unc<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>al cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>cy are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y in t<span class=\"_ _6\"></span>he fore<span class=\"_ _6\"></span>ign exch<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ge res<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ves wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin e<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff60 fs3 fc1 sc0 ls2b ws66 gs71d\">20<span class=\"_ _0\"></span>. <span class=\"_ _b\"></span>(Accumulated<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>loss<span class=\"_ _0\"></span>es)<span class=\"_ _b\"></span>/retained <span class=\"_ _b\"></span>earnings</div><div class=\"gs71e\"><table class=\"s w4e6 hdc\" id=\"_7d3ef003-9d0b-44cd-bcc4-feb2145abaf0\"><tr><td></td><td class=\"t m0 x1b9 h28 y2ace ff56 fs19 fc2 sc0 ls12 ws16\"> <span class=\"_ _29b\"> </span><span class=\"lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></span></td></tr><tr><td class=\"c n x1be y2a18 w2e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 202<span class=\"_ _0\"></span>4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x94a y2a18 wff h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(84.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2943 w109 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer of s<span class=\"_ _6\"></span>hare o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x94b y2943 w4e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">6.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2944 w165 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>ck of ow<span class=\"_ _6\"></span>n sha<span class=\"_ _6\"></span>res<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x94c y2944 w10f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(33<span class=\"_ _6\"></span>.6<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2945 w111 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Capit<span class=\"_ _6\"></span>al r<span class=\"_ _0\"></span>eduction<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x94d y2945 w4e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">293.<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2946 w4e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loss fo<span class=\"_ _6\"></span>r the ye<span class=\"_ _6\"></span>ar<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x94e y2946 w74 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">8.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28ff w2ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2024<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x94f y28ff wf3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">19<span class=\"_ _6\"></span>0.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2900 w109 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>fer of s<span class=\"_ _6\"></span>hare o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n cos<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x674 y2900 w37 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">4.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2901 w165 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>ck of ow<span class=\"_ _6\"></span>n sha<span class=\"_ _6\"></span>res<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x94c y2901 w4ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(3<span class=\"_ _6\"></span>0.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2902 w162 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Purc<span class=\"_ _6\"></span>hase o<span class=\"_ _6\"></span>f own sh<span class=\"_ _6\"></span>ares by EBT<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x950 y2902 w78 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(8.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2860 w111 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Capit<span class=\"_ _6\"></span>al r<span class=\"_ _0\"></span>eduction<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3fb y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 w4e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Loss fo<span class=\"_ _6\"></span>r the ye<span class=\"_ _6\"></span>ar<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x295 y2861 w1b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">46<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w2f5 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">At 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 20<span class=\"_ _6\"></span>25<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x951 y2810 wf2 h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls25 ws7d\">201.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls5d ws16 gs71f\">The t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsfe<span class=\"_ _6\"></span>r of sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on co<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>s is in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to th<span class=\"_ _6\"></span>e exercis<span class=\"_ _6\"></span>e of sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r and t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs720\">sh<span class=\"_ _6\"></span>are op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons res<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ve wh<span class=\"_ _6\"></span>ich a<span class=\"_ _6\"></span>re tra<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>ferre<span class=\"_ _6\"></span>d to (accu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>ses)/ret<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed ea<span class=\"_ _6\"></span>rn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs721\">Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year e<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, \u00a38<span class=\"_ _6\"></span>.6 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a3ni<span class=\"_ _6\"></span>l) of ord<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>res were p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e EBT for th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs722\">pu<span class=\"_ _6\"></span>rpo<span class=\"_ _6\"></span>ses of s<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>yin<span class=\"_ _6\"></span>g emp<span class=\"_ _6\"></span>loyee s<span class=\"_ _6\"></span>hare o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ns. Th<span class=\"_ _6\"></span>e numb<span class=\"_ _6\"></span>er of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s purc<span class=\"_ _6\"></span>hase<span class=\"_ _6\"></span>d was 7<span class=\"_ _b\"></span>.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on an<span class=\"_ _6\"></span>d the we<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hte<span class=\"_ _6\"></span>d averag<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs723\">pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>e pr<span class=\"_ _6\"></span>ice excl<span class=\"_ _6\"></span>udi<span class=\"_ _6\"></span>ng fe<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>amp d<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y was \u00a3<span class=\"_ _6\"></span>1.21 (2024<span class=\"_ _0\"></span>: nil a<span class=\"_ _6\"></span>nd \u00a3n<span class=\"_ _6\"></span>il). All sh<span class=\"_ _6\"></span>ares h<span class=\"_ _6\"></span>ave a nom<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>l val<span class=\"_ _6\"></span>ue of \u00a30.0<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs724\">The G<span class=\"_ _6\"></span>roup c<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>enc<span class=\"_ _6\"></span>ed a sh<span class=\"_ _6\"></span>are bu<span class=\"_ _6\"></span>yb<span class=\"_ _6\"></span>ack p<span class=\"_ _6\"></span>rogr<span class=\"_ _6\"></span>amm<span class=\"_ _6\"></span>e in Ma<span class=\"_ _6\"></span>rch 202<span class=\"_ _0\"></span>4 to buy u<span class=\"_ _6\"></span>p to \u00a325.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n of sh<span class=\"_ _6\"></span>ares in o<span class=\"_ _6\"></span>rde<span class=\"_ _6\"></span>r to retu<span class=\"_ _6\"></span>rn va<span class=\"_ _6\"></span>lue </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs725\">to sh<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>old<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>s, wi<span class=\"_ _6\"></span>th s<span class=\"_ _6\"></span>hares b<span class=\"_ _6\"></span>ei<span class=\"_ _6\"></span>ng ca<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed. I<span class=\"_ _6\"></span>n Oc<span class=\"_ _6\"></span>tob<span class=\"_ _6\"></span>er 202<span class=\"_ _0\"></span>4 th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>ded t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hare b<span class=\"_ _6\"></span>uyb<span class=\"_ _6\"></span>ack p<span class=\"_ _6\"></span>rogr<span class=\"_ _6\"></span>am<span class=\"_ _6\"></span>me by a fur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls29 ws87 gs726\">\u00a325.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n. In May 2025 this w<span class=\"_ _6\"></span>as ex<span class=\"_ _6\"></span>ten<span class=\"_ _6\"></span>ded by a fu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er \u00a325.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n and t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>mme m<span class=\"_ _6\"></span>odi<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d to allow for s<span class=\"_ _6\"></span>hare c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs727\">or to be h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d in tre<span class=\"_ _6\"></span>asur<span class=\"_ _6\"></span>y. The nom<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>l cos<span class=\"_ _6\"></span>t of th<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>res ca<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>d red<span class=\"_ _6\"></span>uces t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup\u2019s s<span class=\"_ _6\"></span>hare c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al wi<span class=\"_ _6\"></span>th a<span class=\"_ _6\"></span>n equ<span class=\"_ _6\"></span>al in<span class=\"_ _6\"></span>crea<span class=\"_ _6\"></span>se in t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs728\">ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l rede<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on rese<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ve. The fu<span class=\"_ _6\"></span>ll cos<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>ck in<span class=\"_ _6\"></span>clus<span class=\"_ _6\"></span>ive of s<span class=\"_ _6\"></span>tam<span class=\"_ _6\"></span>p du<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y and b<span class=\"_ _6\"></span>roker fee<span class=\"_ _6\"></span>s is deb<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ted to ret<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ned e<span class=\"_ _6\"></span>arn<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs729\">Cum<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>vely s<span class=\"_ _6\"></span>inc<span class=\"_ _6\"></span>e the b<span class=\"_ _6\"></span>uyb<span class=\"_ _6\"></span>ack p<span class=\"_ _6\"></span>rogr<span class=\"_ _6\"></span>amm<span class=\"_ _6\"></span>es la<span class=\"_ _6\"></span>unc<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>d in Ma<span class=\"_ _6\"></span>rch 202<span class=\"_ _0\"></span>4 58.9 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on sh<span class=\"_ _6\"></span>ares h<span class=\"_ _6\"></span>ave bee<span class=\"_ _6\"></span>n purch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d and 5<span class=\"_ _6\"></span>6.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls69 wsb9 gs72a\">sh<span class=\"_ _6\"></span>ares have be<span class=\"_ _6\"></span>en c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>, repres<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g 16.<span class=\"_ _6\"></span>3% and 15<span class=\"_ _6\"></span>.7% respe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive<span class=\"_ _6\"></span>ly of th<span class=\"_ _6\"></span>e ca<span class=\"_ _6\"></span>lle<span class=\"_ _6\"></span>d up sh<span class=\"_ _6\"></span>are c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al at t<span class=\"_ _6\"></span>he lau<span class=\"_ _6\"></span>nch o<span class=\"_ _6\"></span>f the f<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>st </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls69 ws16 gs72b\">pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>mme fo<span class=\"_ _6\"></span>r a tot<span class=\"_ _6\"></span>al cu<span class=\"_ _6\"></span>mul<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ive cos<span class=\"_ _6\"></span>t of \u00a36<span class=\"_ _6\"></span>4.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on i<span class=\"_ _6\"></span>nclu<span class=\"_ _6\"></span>sive o<span class=\"_ _6\"></span>f fees a<span class=\"_ _6\"></span>nd exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>es.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs72c\">In t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r to 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025, 23.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n sha<span class=\"_ _6\"></span>res were b<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>ght b<span class=\"_ _6\"></span>ack a<span class=\"_ _6\"></span>nd c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed (2024: 33.5 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n sha<span class=\"_ _6\"></span>res) for </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gs72d\">con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on of \u00a327<span class=\"_ _b\"></span>.6 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a333.7 mi<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ion) in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>sive of fe<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d expe<span class=\"_ _6\"></span>nse<span class=\"_ _6\"></span>s und<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>gra<span class=\"_ _6\"></span>mme re<span class=\"_ _6\"></span>pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g 7<span class=\"_ _b\"></span>.0% </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs72e\">(202<span class=\"_ _0\"></span>4: 9.3%<span class=\"_ _0\"></span>) of th<span class=\"_ _6\"></span>e cal<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d up sh<span class=\"_ _6\"></span>are ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l at th<span class=\"_ _6\"></span>e st<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>t of the yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>. 0.2 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of the p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d sha<span class=\"_ _6\"></span>res in t<span class=\"_ _6\"></span>he prev<span class=\"_ _6\"></span>ious ye<span class=\"_ _6\"></span>ar were </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs72f\">pe<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion a<span class=\"_ _6\"></span>s at 31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _0\"></span>4. Addi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, the G<span class=\"_ _6\"></span>roup b<span class=\"_ _6\"></span>oug<span class=\"_ _6\"></span>ht ba<span class=\"_ _6\"></span>ck 2.3 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on sh<span class=\"_ _6\"></span>ares w<span class=\"_ _6\"></span>hich we<span class=\"_ _6\"></span>re not c<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cel<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs730\">an<span class=\"_ _6\"></span>d were hel<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>reasu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y for co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion of \u00a3<span class=\"_ _6\"></span>3.0 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on in<span class=\"_ _6\"></span>clus<span class=\"_ _6\"></span>ive of fee<span class=\"_ _6\"></span>s and ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nses, re<span class=\"_ _6\"></span>pres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g 0.7% of the c<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>led u<span class=\"_ _6\"></span>p </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs731\">sh<span class=\"_ _6\"></span>are ca<span class=\"_ _6\"></span>pi<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>l at t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>. Of t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>res, 8<span class=\"_ _6\"></span>3,44<span class=\"_ _6\"></span>0 were p<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsfe<span class=\"_ _6\"></span>r to th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cemb<span class=\"_ _6\"></span>er 2025. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs732\">The we<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hted ave<span class=\"_ _6\"></span>rag<span class=\"_ _6\"></span>e pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>e pr<span class=\"_ _6\"></span>ice for t<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>omb<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d bu<span class=\"_ _6\"></span>yba<span class=\"_ _6\"></span>cks i<span class=\"_ _6\"></span>n the ye<span class=\"_ _6\"></span>ar in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>hose t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t were c<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ell<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>nd he<span class=\"_ _6\"></span>ld </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs733\">in t<span class=\"_ _6\"></span>reasu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y was \u00a3<span class=\"_ _6\"></span>1.23 (2024: \u00a31.16) exclu<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g fees a<span class=\"_ _6\"></span>nd s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>mp du<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs734\">On 12 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 202<span class=\"_ _0\"></span>4, the G<span class=\"_ _6\"></span>roup c<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ted a c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al red<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n exercis<span class=\"_ _6\"></span>e und<span class=\"_ _6\"></span>er s<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n 641 of th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>nie<span class=\"_ _6\"></span>s Act 20<span class=\"_ _6\"></span>06. A<span class=\"_ _6\"></span>s a </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs735\">resu<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>ire s<span class=\"_ _6\"></span>hare p<span class=\"_ _6\"></span>remi<span class=\"_ _6\"></span>um b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>at da<span class=\"_ _6\"></span>te of \u00a3293<span class=\"_ _6\"></span>,48<span class=\"_ _6\"></span>6,755 wa<span class=\"_ _6\"></span>s can<span class=\"_ _6\"></span>cel<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d and c<span class=\"_ _6\"></span>reate<span class=\"_ _6\"></span>d an a<span class=\"_ _6\"></span>ccum<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ated p<span class=\"_ _6\"></span>rof<span class=\"_ _6\"></span>it w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hi<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs736\">th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d los<span class=\"_ _6\"></span>s acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t and n<span class=\"_ _6\"></span>ow con<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tes a dis<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rib<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>tab<span class=\"_ _6\"></span>le re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-411": {
   "value": "21. Share-based pa<span class=\"_ _0\"></span>yment<span class=\"_ _2f2\"> </span>The C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pany o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rate<span class=\"_ _6\"></span>s sha<span class=\"_ _6\"></span>re sch<span class=\"_ _6\"></span>emes fo<span class=\"_ _6\"></span>r al<span class=\"_ _6\"></span>l emp<span class=\"_ _6\"></span>loyee<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p. The te<span class=\"_ _6\"></span>rms o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e mai<span class=\"_ _6\"></span>n cur<span class=\"_ _6\"></span>rent s<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>mes f<span class=\"_ _6\"></span>rom wh<span class=\"_ _6\"></span>ich th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyees be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t are se<span class=\"_ _6\"></span>t ou<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>low.<span class=\"_ _2f2\"> </span>Post<span class=\"_ _0\"></span>-IPO emplo<span class=\"_ _0\"></span>y<span class=\"_ _0\"></span>ee share<span class=\"_ _0\"></span> plans<span class=\"_ _2f2\"> </span>Sin<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any\u2019s a<span class=\"_ _6\"></span>dmi<span class=\"_ _6\"></span>ssi<span class=\"_ _6\"></span>on o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Lond<span class=\"_ _6\"></span>on S<span class=\"_ _6\"></span>toc<span class=\"_ _6\"></span>k Exc<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge, t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any has o<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>ed a di<span class=\"_ _6\"></span>scre<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y sha<span class=\"_ _6\"></span>re-<span class=\"_ _6\"></span>base<span class=\"_ _6\"></span>d Long<span class=\"_ _6\"></span>-<span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>erm I<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ive Pl<span class=\"_ _6\"></span>an (\u201c<span class=\"_ _6\"></span>L<span class=\"_ _b\"></span>TI<span class=\"_ _6\"></span>P\u201d<span class=\"_ _6\"></span>). In Novem<span class=\"_ _6\"></span>ber 2020, th<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any int<span class=\"_ _6\"></span>rod<span class=\"_ _6\"></span>uce<span class=\"_ _6\"></span>d a Sh<span class=\"_ _6\"></span>are In<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve Plan (\u201c<span class=\"_ _6\"></span>S<span class=\"_ _6\"></span>IP<span class=\"_ _6\"></span>\u201d) a<span class=\"_ _6\"></span>pprove<span class=\"_ _6\"></span>d by HM<span class=\"_ _6\"></span>RC, whi<span class=\"_ _6\"></span>ch in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>s par<span class=\"_ _5\"></span>tne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip sh<span class=\"_ _6\"></span>ares a<span class=\"_ _6\"></span>nd ma<span class=\"_ _6\"></span>tchi<span class=\"_ _6\"></span>ng s<span class=\"_ _6\"></span>hares<span class=\"_ _6\"></span>. This p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>n is now o<span class=\"_ _6\"></span>nly re<span class=\"_ _6\"></span>leva<span class=\"_ _6\"></span>nt for U<span class=\"_ _6\"></span>K<span class=\"_ _0\"></span>-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d emp<span class=\"_ _6\"></span>loye<span class=\"_ _6\"></span>es. In M<span class=\"_ _6\"></span>ay 2021, th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny int<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>d a Defe<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>d Bon<span class=\"_ _6\"></span>us Pl<span class=\"_ _6\"></span>an (\u201c<span class=\"_ _6\"></span>DB<span class=\"_ _6\"></span>P\u201d<span class=\"_ _6\"></span>) for t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>The m<span class=\"_ _6\"></span>ain fe<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ures of t<span class=\"_ _6\"></span>he L<span class=\"_ _0\"></span>TIP<span class=\"_ _b\"></span>, SIP a<span class=\"_ _6\"></span>nd D<span class=\"_ _6\"></span>BP are s<span class=\"_ _6\"></span>et ou<span class=\"_ _6\"></span>t b<span class=\"_ _6\"></span>elow.<span class=\"_ _2f2\"> </span>Po<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>-IPO<span class=\"_ _0\"></span> <span class=\"_ _b\"></span>\u2013 <span class=\"_ _0\"></span>L<span class=\"_ _a\"></span>TIP<span class=\"_ _2f2\"> </span>For<span class=\"_ _6\"></span>m of L<span class=\"_ _0\"></span>TIP Awar<span class=\"_ _6\"></span>ds<span class=\"_ _2f2\"> </span>The B<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>rd gra<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>wards i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e for<span class=\"_ _6\"></span>m of op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons to a<span class=\"_ _6\"></span>cqu<span class=\"_ _6\"></span>ire sh<span class=\"_ _6\"></span>ares a<span class=\"_ _6\"></span>t no cos<span class=\"_ _6\"></span>t (a \u201cni<span class=\"_ _6\"></span>l-<span class=\"_ _6\"></span>cos<span class=\"_ _6\"></span>t op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on\u201d<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Performance c<span class=\"_ _0\"></span>onditions<span class=\"_ _2f2\"> </span>L<span class=\"_ _b\"></span>TI<span class=\"_ _6\"></span>P Awards a<span class=\"_ _6\"></span>re not cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>tly s<span class=\"_ _6\"></span>ubj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>ance c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of L<span class=\"_ _b\"></span>T<span class=\"_ _6\"></span>IP Award<span class=\"_ _6\"></span>s gran<span class=\"_ _6\"></span>ted to E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive Dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ors,<span class=\"_ _6\"></span> E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve Com<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>e mem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>rs an<span class=\"_ _6\"></span>d cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n ot<span class=\"_ _6\"></span>her s<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>or em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyees w<span class=\"_ _6\"></span>hich a<span class=\"_ _6\"></span>re sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons. T<span class=\"_ _6\"></span>he awa<span class=\"_ _6\"></span>rds wi<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns are t<span class=\"_ _6\"></span>he R<span class=\"_ _6\"></span>est<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d Sh<span class=\"_ _6\"></span>are Pla<span class=\"_ _6\"></span>n (\u201c<span class=\"_ _6\"></span>RSP<span class=\"_ _6\"></span>\u201d<span class=\"_ _6\"></span>) Awards g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>ted u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er th<span class=\"_ _6\"></span>e 2021 and 2024 Remu<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n Pol<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>es as wel<span class=\"_ _6\"></span>l as Per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e Sha<span class=\"_ _6\"></span>re Pla<span class=\"_ _6\"></span>n (\u201cP<span class=\"_ _6\"></span>SP<span class=\"_ _6\"></span>\u201d) Aw<span class=\"_ _6\"></span>ards g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>ted u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e 2025 Remu<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion Po<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>cy<span class=\"_ _0\"></span>. Refer to t<span class=\"_ _6\"></span>he Rem<span class=\"_ _6\"></span>une<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n Re<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>t for fu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>her d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>s.<span class=\"_ _2f2\"> </span>Any p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on may b<span class=\"_ _6\"></span>e ame<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ed or s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ute<span class=\"_ _6\"></span>d i<span class=\"_ _6\"></span>f one o<span class=\"_ _6\"></span>r mo<span class=\"_ _6\"></span>re event<span class=\"_ _6\"></span>s occu<span class=\"_ _6\"></span>r whi<span class=\"_ _6\"></span>ch c<span class=\"_ _6\"></span>aus<span class=\"_ _6\"></span>e the B<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>rd to reas<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>bly con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>n am<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>r sub<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rma<span class=\"_ _6\"></span>nce c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n wou<span class=\"_ _6\"></span>ld b<span class=\"_ _6\"></span>e more a<span class=\"_ _6\"></span>ppro<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>te and wo<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>d not b<span class=\"_ _6\"></span>e ma<span class=\"_ _6\"></span>teri<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly le<span class=\"_ _6\"></span>ss dif<span class=\"_ _6\"></span>ficult to satisfy than originally intended.<span class=\"_ _2f2\"> </span>Vest<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>nd r<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e of L<span class=\"_ _0\"></span>TIP Awar<span class=\"_ _6\"></span>ds<span class=\"_ _2f2\"> </span>L<span class=\"_ _b\"></span>TI<span class=\"_ _6\"></span>P Award<span class=\"_ _6\"></span>s gra<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d to emp<span class=\"_ _6\"></span>loyee<span class=\"_ _6\"></span>s cur<span class=\"_ _6\"></span>rent<span class=\"_ _6\"></span>ly ves<span class=\"_ _6\"></span>t su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>o con<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice a<span class=\"_ _6\"></span>nd, i<span class=\"_ _6\"></span>f rel<span class=\"_ _6\"></span>evan<span class=\"_ _6\"></span>t, in a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>rdan<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h a vest<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g sch<span class=\"_ _6\"></span>ed<span class=\"_ _6\"></span>ule s<span class=\"_ _6\"></span>et at g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>t. W<span class=\"_ _6\"></span>here aw<span class=\"_ _6\"></span>ards a<span class=\"_ _6\"></span>re sub<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t to th<span class=\"_ _6\"></span>e ach<span class=\"_ _6\"></span>ievem<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons, t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d is th<span class=\"_ _6\"></span>ree year<span class=\"_ _6\"></span>s. Fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls are s<span class=\"_ _6\"></span>hown i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Rem<span class=\"_ _6\"></span>une<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n Rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t.<span class=\"_ _2f2\"> </span>The B<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>rd may de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>e at gr<span class=\"_ _6\"></span>ant t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t an L<span class=\"_ _b\"></span>T<span class=\"_ _6\"></span>IP Awar<span class=\"_ _6\"></span>d is sub<span class=\"_ _6\"></span>je<span class=\"_ _6\"></span>ct to a<span class=\"_ _6\"></span>n add<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l hol<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od fol<span class=\"_ _6\"></span>low<span class=\"_ _6\"></span>ing ve<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ing (a \u201c<span class=\"_ _6\"></span>Ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing Per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d\u201d<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>. L<span class=\"_ _b\"></span>TI<span class=\"_ _6\"></span>P op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns wi<span class=\"_ _6\"></span>ll b<span class=\"_ _6\"></span>e exercis<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e da<span class=\"_ _6\"></span>te of ves<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g or, if ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, th<span class=\"_ _6\"></span>e end of t<span class=\"_ _6\"></span>he H<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g Per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d unt<span class=\"_ _6\"></span>il t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>h ann<span class=\"_ _6\"></span>iver<span class=\"_ _6\"></span>sar<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e gra<span class=\"_ _6\"></span>nt da<span class=\"_ _6\"></span>te, or s<span class=\"_ _6\"></span>uch e<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>r date a<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e Boa<span class=\"_ _6\"></span>rd de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>es.<span class=\"_ _2f2\"> </span>Cessation of<span class=\"_ _0\"></span> employment<span class=\"_ _2f2\"> </span>L<span class=\"_ _b\"></span>TI<span class=\"_ _6\"></span>P op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons m<span class=\"_ _6\"></span>ay nor<span class=\"_ _6\"></span>mal<span class=\"_ _6\"></span>ly b<span class=\"_ _6\"></span>e exercis<span class=\"_ _6\"></span>ed to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt ves<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>r a pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d of si<span class=\"_ _6\"></span>x mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r cea<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g emp<span class=\"_ _6\"></span>loy<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t or 12 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r de<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>h (or suc<span class=\"_ _6\"></span>h ot<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d as th<span class=\"_ _6\"></span>e Bo<span class=\"_ _6\"></span>ard may d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ne)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>Po<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>-IPO<span class=\"_ _0\"></span> <span class=\"_ _b\"></span>\u2013 <span class=\"_ _0\"></span>SIP<span class=\"_ _2f2\"> </span>For<span class=\"_ _6\"></span>m of S<span class=\"_ _6\"></span>IP Awa<span class=\"_ _6\"></span>rds<span class=\"_ _2f2\"> </span>The B<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>rd gra<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>wards i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e for<span class=\"_ _6\"></span>m of pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p sha<span class=\"_ _6\"></span>res an<span class=\"_ _6\"></span>d matc<span class=\"_ _6\"></span>hin<span class=\"_ _6\"></span>g sha<span class=\"_ _6\"></span>res.<span class=\"_ _2f2\"> </span>Performance c<span class=\"_ _0\"></span>onditions The<span class=\"_ _6\"></span>re are no p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>ance c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns at<span class=\"_ _5\"></span>ta<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>d to pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>tn<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>res and m<span class=\"_ _6\"></span>atc<span class=\"_ _6\"></span>hin<span class=\"_ _6\"></span>g sha<span class=\"_ _6\"></span>res. Free shares<span class=\"_ _2f2\"> </span>Un<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>l 2022 und<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he SI<span class=\"_ _6\"></span>P<span class=\"_ _b\"></span>, all U<span class=\"_ _6\"></span>K emp<span class=\"_ _6\"></span>loye<span class=\"_ _6\"></span>es were e<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e to rec<span class=\"_ _6\"></span>eive u<span class=\"_ _6\"></span>p to a max<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>um of \u00a3<span class=\"_ _6\"></span>3,60<span class=\"_ _6\"></span>0, or 1<span class=\"_ _6\"></span>0% of an<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>l sa<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>f l<span class=\"_ _6\"></span>ess, of fre<span class=\"_ _6\"></span>e sh<span class=\"_ _6\"></span>ares p<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>ax yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>. Free sha<span class=\"_ _6\"></span>res were aw<span class=\"_ _6\"></span>arde<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>lly w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h a for<span class=\"_ _5\"></span>feit<span class=\"_ _6\"></span>ure pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od of t<span class=\"_ _6\"></span>wo ye<span class=\"_ _6\"></span>ars a<span class=\"_ _6\"></span>nd a H<span class=\"_ _6\"></span>old<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Peri<span class=\"_ _6\"></span>od o<span class=\"_ _6\"></span>f three years.<span class=\"_ _2f2\"> </span>Matching shares<span class=\"_ _2f2\"> </span>UK e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyees a<span class=\"_ _6\"></span>re invi<span class=\"_ _6\"></span>ted to b<span class=\"_ _6\"></span>uy p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip sh<span class=\"_ _6\"></span>ares f<span class=\"_ _6\"></span>rom pre<span class=\"_ _6\"></span>-t<span class=\"_ _6\"></span>ax s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h a max<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>um inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n ea<span class=\"_ _6\"></span>ch ta<span class=\"_ _6\"></span>x year o<span class=\"_ _6\"></span>f \u00a31,<span class=\"_ _6\"></span>80<span class=\"_ _6\"></span>0, or 1<span class=\"_ _6\"></span>0% of an<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>l sa<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>f le<span class=\"_ _6\"></span>ss. P<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip sh<span class=\"_ _6\"></span>ares a<span class=\"_ _6\"></span>re purc<span class=\"_ _6\"></span>hase<span class=\"_ _6\"></span>d ever<span class=\"_ _6\"></span>y mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>h. Emp<span class=\"_ _6\"></span>loye<span class=\"_ _6\"></span>es ca<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>dra<span class=\"_ _6\"></span>w par<span class=\"_ _5\"></span>tne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip sh<span class=\"_ _6\"></span>ares f<span class=\"_ _6\"></span>rom th<span class=\"_ _6\"></span>e SI<span class=\"_ _6\"></span>P at any t<span class=\"_ _6\"></span>ime a<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re are t<span class=\"_ _6\"></span>ax ad<span class=\"_ _6\"></span>van<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ges i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e sh<span class=\"_ _6\"></span>ares are re<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he S<span class=\"_ _6\"></span>IP for a<span class=\"_ _6\"></span>t lea<span class=\"_ _6\"></span>st t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e years<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Un<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>l 2022 par<span class=\"_ _5\"></span>tici<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>nts we<span class=\"_ _6\"></span>re awa<span class=\"_ _6\"></span>rded o<span class=\"_ _6\"></span>ne m<span class=\"_ _6\"></span>atch<span class=\"_ _6\"></span>ing s<span class=\"_ _6\"></span>hare fo<span class=\"_ _6\"></span>r ever<span class=\"_ _6\"></span>y on<span class=\"_ _6\"></span>e pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>tn<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re they p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d, an<span class=\"_ _6\"></span>d from 2023 t<span class=\"_ _6\"></span>his was i<span class=\"_ _6\"></span>ncre<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>wo mat<span class=\"_ _6\"></span>chin<span class=\"_ _6\"></span>g sh<span class=\"_ _6\"></span>ares for eve<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>tn<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>hip s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re purch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d. Th<span class=\"_ _6\"></span>ere are t<span class=\"_ _6\"></span>ax a<span class=\"_ _6\"></span>dva<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>s to par<span class=\"_ _5\"></span>tic<span class=\"_ _6\"></span>ipa<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s if t<span class=\"_ _6\"></span>he ma<span class=\"_ _6\"></span>tchi<span class=\"_ _6\"></span>ng sh<span class=\"_ _6\"></span>ares a<span class=\"_ _6\"></span>re reta<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he S<span class=\"_ _6\"></span>IP for a<span class=\"_ _6\"></span>t le<span class=\"_ _6\"></span>ast t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e years<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>Wh<span class=\"_ _6\"></span>ils<span class=\"_ _6\"></span>t em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>d by th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny<span class=\"_ _b\"></span>, a p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>tici<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>nt wi<span class=\"_ _6\"></span>ll for<span class=\"_ _5\"></span>feit a c<span class=\"_ _6\"></span>orre<span class=\"_ _6\"></span>spo<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing n<span class=\"_ _6\"></span>umb<span class=\"_ _6\"></span>er of m<span class=\"_ _6\"></span>atc<span class=\"_ _6\"></span>hin<span class=\"_ _6\"></span>g sha<span class=\"_ _6\"></span>res i<span class=\"_ _6\"></span>f they c<span class=\"_ _6\"></span>hoo<span class=\"_ _6\"></span>se to t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sfer pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p sha<span class=\"_ _6\"></span>res ou<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he SI<span class=\"_ _6\"></span>P wi<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>in t<span class=\"_ _6\"></span>hree ye<span class=\"_ _6\"></span>ars of t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate of p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase.<span class=\"_ _2f2\"> </span>Un<span class=\"_ _6\"></span>der n<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>mal c<span class=\"_ _6\"></span>ircum<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ces, i<span class=\"_ _6\"></span>f a pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>pan<span class=\"_ _6\"></span>t le<span class=\"_ _6\"></span>aves th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny before t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>eco<span class=\"_ _6\"></span>nd an<span class=\"_ _6\"></span>nive<span class=\"_ _6\"></span>rsa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he da<span class=\"_ _6\"></span>te of awa<span class=\"_ _6\"></span>rd, th<span class=\"_ _6\"></span>ey wil<span class=\"_ _6\"></span>l for<span class=\"_ _6\"></span>fe<span class=\"_ _6\"></span>it t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>ir ma<span class=\"_ _6\"></span>tchi<span class=\"_ _6\"></span>ng s<span class=\"_ _6\"></span>hares<span class=\"_ _6\"></span>. If t<span class=\"_ _6\"></span>hey l<span class=\"_ _6\"></span>eave be<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n t<span class=\"_ _6\"></span>wo and t<span class=\"_ _6\"></span>hre<span class=\"_ _6\"></span>e year<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e da<span class=\"_ _6\"></span>te of awar<span class=\"_ _6\"></span>d, th<span class=\"_ _6\"></span>ey ret<span class=\"_ _6\"></span>ain t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r ma<span class=\"_ _6\"></span>tchi<span class=\"_ _6\"></span>ng sh<span class=\"_ _6\"></span>ares bu<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>ose s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s mus<span class=\"_ _6\"></span>t be re<span class=\"_ _6\"></span>moved f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he SI<span class=\"_ _6\"></span>P and a<span class=\"_ _6\"></span>ny ta<span class=\"_ _6\"></span>x adv<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>es are l<span class=\"_ _6\"></span>ost<span class=\"_ _6\"></span>. I<span class=\"_ _6\"></span>f a par<span class=\"_ _5\"></span>tic<span class=\"_ _6\"></span>ipa<span class=\"_ _6\"></span>nt l<span class=\"_ _6\"></span>eaves un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r spe<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l circu<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>nces<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>ey wil<span class=\"_ _6\"></span>l ret<span class=\"_ _6\"></span>ain a<span class=\"_ _6\"></span>ll of t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r matc<span class=\"_ _6\"></span>hin<span class=\"_ _6\"></span>g sh<span class=\"_ _6\"></span>ares, re<span class=\"_ _6\"></span>ga<span class=\"_ _6\"></span>rdle<span class=\"_ _6\"></span>ss of h<span class=\"_ _6\"></span>ow lon<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>ey have be<span class=\"_ _6\"></span>en h<span class=\"_ _6\"></span>eld i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e SI<span class=\"_ _6\"></span>P<span class=\"_ _2f2\"> </span><div class=\"t m0 hd ff5b fs3 fc1 sc0 ls76 ws7a gs738\">P<span class=\"_ _6\"></span>os<span class=\"_ _5\"></span>t-<span class=\"_ _6\"></span>I<span class=\"_ _6\"></span>P<span class=\"_ _6\"></span>O \u2013 <span class=\"_ _0\"></span>DB<span class=\"_ _5\"></span>P<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15f ws19b gs739\">For<span class=\"_ _6\"></span>m of PS<span class=\"_ _6\"></span>P Awar<span class=\"_ _6\"></span>ds<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs73a\">The B<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>rd gra<span class=\"_ _6\"></span>nts a<span class=\"_ _6\"></span>wards i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e for<span class=\"_ _6\"></span>m of nil<span class=\"_ _6\"></span>-c<span class=\"_ _6\"></span>os<span class=\"_ _6\"></span>t opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls16a ws1a3 gs73b\">Performance c<span class=\"_ _0\"></span>onditions<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs73c\">The<span class=\"_ _6\"></span>re are no p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>ance c<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns at<span class=\"_ _5\"></span>ta<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>d to DB<span class=\"_ _6\"></span>P Awards<span class=\"_ _6\"></span>. </div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15f ws19b gs73d\">Vest<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>nd r<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>eas<span class=\"_ _6\"></span>e of PS<span class=\"_ _6\"></span>P Awar<span class=\"_ _6\"></span>ds<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs73e\">DB<span class=\"_ _6\"></span>P Awards g<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nted t<span class=\"_ _6\"></span>o emp<span class=\"_ _6\"></span>loyee<span class=\"_ _6\"></span>s cur<span class=\"_ _6\"></span>rent<span class=\"_ _6\"></span>ly ves<span class=\"_ _6\"></span>t in a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>rdan<span class=\"_ _6\"></span>ce wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h a vest<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g sche<span class=\"_ _6\"></span>du<span class=\"_ _6\"></span>le se<span class=\"_ _6\"></span>t at g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>t. Fur<span class=\"_ _5\"></span>the<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls are s<span class=\"_ _6\"></span>hown </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs73f\">in t<span class=\"_ _6\"></span>he Re<span class=\"_ _6\"></span>mun<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on Re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs740\">The B<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>rd may de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>e at gr<span class=\"_ _6\"></span>ant t<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>t a DB<span class=\"_ _6\"></span>P Award is s<span class=\"_ _6\"></span>ubj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to an a<span class=\"_ _6\"></span>ddi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d foll<span class=\"_ _6\"></span>owi<span class=\"_ _6\"></span>ng ves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng (a \u201c<span class=\"_ _6\"></span>Hol<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs741\">Per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d\u201d<span class=\"_ _6\"></span>)<span class=\"_ _0\"></span>. L<span class=\"_ _b\"></span>TI<span class=\"_ _6\"></span>P op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns wi<span class=\"_ _6\"></span>ll b<span class=\"_ _6\"></span>e exercis<span class=\"_ _6\"></span>ab<span class=\"_ _6\"></span>le fro<span class=\"_ _6\"></span>m th<span class=\"_ _6\"></span>e da<span class=\"_ _6\"></span>te of ves<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g or, if ap<span class=\"_ _6\"></span>pli<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e, th<span class=\"_ _6\"></span>e end of t<span class=\"_ _6\"></span>he H<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g Per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d unt<span class=\"_ _6\"></span>il t<span class=\"_ _6\"></span>he te<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>h </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs742\">ann<span class=\"_ _6\"></span>iver<span class=\"_ _6\"></span>sar<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e gra<span class=\"_ _6\"></span>nt da<span class=\"_ _6\"></span>te, or s<span class=\"_ _6\"></span>uch e<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>lie<span class=\"_ _6\"></span>r date a<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e Boa<span class=\"_ _6\"></span>rd de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>es.<span class=\"_ _2f2\"> </span></div><div class=\"t m8 h92 ff54 fs2d fc1 sc0 ls15e ws1a0 gs743\">Cessation of<span class=\"_ _0\"></span> employment<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs744\">DB<span class=\"_ _6\"></span>P op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns may n<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>mal<span class=\"_ _6\"></span>ly be exe<span class=\"_ _6\"></span>rcise<span class=\"_ _6\"></span>d to t<span class=\"_ _6\"></span>he ex<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>nt ves<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>r a per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d of si<span class=\"_ _6\"></span>x mo<span class=\"_ _6\"></span>nth<span class=\"_ _6\"></span>s af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r cea<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>g emp<span class=\"_ _6\"></span>loym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t or 12 mo<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>hs </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs745\">af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r de<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>h (or suc<span class=\"_ _6\"></span>h ot<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d as th<span class=\"_ _6\"></span>e Bo<span class=\"_ _6\"></span>ard may d<span class=\"_ _6\"></span>eter<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ne)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws5 gs746\">Pre-IPO emplo<span class=\"_ _0\"></span>yee<span class=\"_ _0\"></span> share<span class=\"_ _0\"></span> plans<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2a ws33 gs747\">EMI Options<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs748\">Pri<span class=\"_ _6\"></span>or to J<span class=\"_ _6\"></span>une 20<span class=\"_ _6\"></span>14, the C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny issu<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s to UK su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y un<span class=\"_ _6\"></span>der<span class=\"_ _5\"></span>tak<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>gs\u2019 e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyees u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e EMI O<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s Sch<span class=\"_ _6\"></span>eme. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs749\">Sin<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>hen<span class=\"_ _6\"></span>, the C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pany i<span class=\"_ _6\"></span>s not e<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>gib<span class=\"_ _6\"></span>le to is<span class=\"_ _6\"></span>su<span class=\"_ _6\"></span>e und<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>he sc<span class=\"_ _6\"></span>hem<span class=\"_ _6\"></span>e.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2b ws6 gs74a\">Unappro<span class=\"_ _0\"></span>ved<span class=\"_ _0\"></span> Options<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs74b\">The C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pany h<span class=\"_ _6\"></span>ad an U<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>pprove<span class=\"_ _6\"></span>d Op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns Sc<span class=\"_ _6\"></span>hem<span class=\"_ _6\"></span>e for al<span class=\"_ _6\"></span>l em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>es of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. I<span class=\"_ _6\"></span>n acco<span class=\"_ _6\"></span>rda<span class=\"_ _6\"></span>nce w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h st<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>dar<span class=\"_ _6\"></span>d vest<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g term<span class=\"_ _6\"></span>s, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs74c\">th<span class=\"_ _6\"></span>e ful<span class=\"_ _6\"></span>l awa<span class=\"_ _6\"></span>rd veste<span class=\"_ _6\"></span>d four ye<span class=\"_ _6\"></span>ars a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ter t<span class=\"_ _6\"></span>he ves<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t d<span class=\"_ _6\"></span>ate, wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h 25% v<span class=\"_ _0\"></span>es<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng on t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>st a<span class=\"_ _6\"></span>nnive<span class=\"_ _6\"></span>rs<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he ves<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng da<span class=\"_ _6\"></span>te an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs74d\">6.25% ever<span class=\"_ _6\"></span>y th<span class=\"_ _6\"></span>ree m<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>hs t<span class=\"_ _6\"></span>here<span class=\"_ _6\"></span>af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>. If t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ions re<span class=\"_ _6\"></span>mai<span class=\"_ _6\"></span>n un<span class=\"_ _6\"></span>exercis<span class=\"_ _6\"></span>ed af<span class=\"_ _5\"></span>ter a pe<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>od of te<span class=\"_ _6\"></span>n year<span class=\"_ _6\"></span>s from t<span class=\"_ _6\"></span>he d<span class=\"_ _6\"></span>ate of g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>t, t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs74e\">op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons ex<span class=\"_ _6\"></span>pire. </div><div class=\"t m0 hd ff54 fs3 fc1 sc0 ls2a ws33 gs74f\">US Options<span class=\"_ _0\"></span> Scheme 2<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs750\">Op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>ted u<span class=\"_ _6\"></span>nde<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e US O<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ions S<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>me 2 a<span class=\"_ _6\"></span>re Una<span class=\"_ _6\"></span>pp<span class=\"_ _6\"></span>roved Op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>ted to U<span class=\"_ _6\"></span>S emp<span class=\"_ _6\"></span>loyee<span class=\"_ _6\"></span>s as ei<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er n<span class=\"_ _6\"></span>on-<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ali<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs751\">op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons o<span class=\"_ _6\"></span>r inc<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ive s<span class=\"_ _6\"></span>tock o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns. Th<span class=\"_ _6\"></span>e US Op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons S<span class=\"_ _6\"></span>che<span class=\"_ _6\"></span>me 2 ha<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e sam<span class=\"_ _6\"></span>e ves<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d as U<span class=\"_ _6\"></span>nap<span class=\"_ _6\"></span>proved O<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns. I<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e op<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs752\">rem<span class=\"_ _6\"></span>ain u<span class=\"_ _6\"></span>nexerci<span class=\"_ _6\"></span>sed a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r a per<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>d of ten ye<span class=\"_ _6\"></span>ars f<span class=\"_ _6\"></span>rom t<span class=\"_ _6\"></span>he da<span class=\"_ _6\"></span>te of gr<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>, th<span class=\"_ _6\"></span>e op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons ex<span class=\"_ _6\"></span>pire. U<span class=\"_ _6\"></span>nveste<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>re for<span class=\"_ _6\"></span>fei<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d if t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs753\">em<span class=\"_ _6\"></span>ploye<span class=\"_ _6\"></span>e leaves t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup b<span class=\"_ _6\"></span>efo<span class=\"_ _6\"></span>re the o<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns vest<span class=\"_ _6\"></span>. New g<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nts u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>er t<span class=\"_ _6\"></span>his sc<span class=\"_ _6\"></span>hem<span class=\"_ _6\"></span>e cea<span class=\"_ _6\"></span>sed i<span class=\"_ _6\"></span>n 2018 u<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>n IPO.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs754\">Al<span class=\"_ _6\"></span>l sha<span class=\"_ _6\"></span>re-<span class=\"_ _6\"></span>bas<span class=\"_ _6\"></span>ed in<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ves are su<span class=\"_ _6\"></span>bje<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t to ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice co<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns. Su<span class=\"_ _6\"></span>ch co<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s are no<span class=\"_ _6\"></span>t ta<span class=\"_ _6\"></span>ken in<span class=\"_ _6\"></span>to acco<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>t in th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs755\">ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>ved. T<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue of s<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ces re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>ved in re<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>rn for s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>tive<span class=\"_ _6\"></span>s is me<span class=\"_ _6\"></span>asure<span class=\"_ _6\"></span>d by refere<span class=\"_ _6\"></span>nce to t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>air </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs756\">val<span class=\"_ _6\"></span>ue of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d inc<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>ives g<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nted<span class=\"_ _6\"></span>. The e<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>te of t<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue of t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d in<span class=\"_ _6\"></span>cen<span class=\"_ _6\"></span>tive<span class=\"_ _6\"></span>s is mea<span class=\"_ _6\"></span>sure<span class=\"_ _6\"></span>d usi<span class=\"_ _6\"></span>ng m<span class=\"_ _6\"></span>arket </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs757\">pr<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s. Wh<span class=\"_ _6\"></span>en ma<span class=\"_ _6\"></span>rket p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ces d<span class=\"_ _6\"></span>o not ex<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>t for sh<span class=\"_ _6\"></span>ares o<span class=\"_ _6\"></span>r ri<span class=\"_ _6\"></span>ght<span class=\"_ _6\"></span>s to sha<span class=\"_ _6\"></span>res wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h sim<span class=\"_ _6\"></span>ila<span class=\"_ _6\"></span>r cha<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cs, f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed by </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs758\">usi<span class=\"_ _6\"></span>ng a va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on te<span class=\"_ _6\"></span>chn<span class=\"_ _6\"></span>iqu<span class=\"_ _6\"></span>e (ei<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e Mo<span class=\"_ _6\"></span>nte C<span class=\"_ _6\"></span>arl<span class=\"_ _6\"></span>o or B<span class=\"_ _6\"></span>lac<span class=\"_ _6\"></span>k-Scho<span class=\"_ _6\"></span>les p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cin<span class=\"_ _6\"></span>g mo<span class=\"_ _6\"></span>del a<span class=\"_ _6\"></span>s is mos<span class=\"_ _6\"></span>t ap<span class=\"_ _6\"></span>prop<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ate fo<span class=\"_ _6\"></span>r eac<span class=\"_ _6\"></span>h sche<span class=\"_ _6\"></span>me). </div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws5 gs759\">Charge f<span class=\"_ _0\"></span>or the<span class=\"_ _0\"></span> y<span class=\"_ _0\"></span>ear<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs75a\">In<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ng ex<span class=\"_ _6\"></span>pen<span class=\"_ _6\"></span>ses of t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>s a cha<span class=\"_ _6\"></span>rge for s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d pay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d soc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>ecu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y cos<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>f </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs75b\">\u00a35.<span class=\"_ _6\"></span>9 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a37<span class=\"_ _b\"></span>.8 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on) th<span class=\"_ _6\"></span>at ar<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>s from t<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nsa<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>r as eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y-se<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>ed s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d pay<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs75c\">fro<span class=\"_ _6\"></span>m con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nui<span class=\"_ _6\"></span>ng op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ons a<span class=\"_ _6\"></span>nd \u00a3n<span class=\"_ _6\"></span>il (2024: \u00a31.0 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on) fro<span class=\"_ _6\"></span>m dis<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>d op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons. A<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, an excep<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t of \u00a3ni<span class=\"_ _6\"></span>l </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs75d\">(202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) is inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ed w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>hin d<span class=\"_ _6\"></span>isc<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>d ope<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns rel<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g to lap<span class=\"_ _6\"></span>ses of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d paym<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts on t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls6c wsf9 gs75e\">US business.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls64 ws94 gs760\">Move<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n sh<span class=\"_ _6\"></span>are p<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>ans<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs761\">De<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ils of m<span class=\"_ _6\"></span>oveme<span class=\"_ _6\"></span>nts i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e sh<span class=\"_ _6\"></span>are sch<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year a<span class=\"_ _6\"></span>re as foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span></div><div class=\"gs762\"><table class=\"s w4eb hdd\" id=\"_6c294e63-3b40-4186-b155-62e58d069b45\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x952 h28 y2acf ff56 fs19 fc2 sc0 ls108 ws12f\">Free sh<span class=\"_ _6\"></span>ares<span class=\"_ _2f2\"> </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 class=\"t m0 x953 h28 y2ad0 ff56 fs19 fc2 sc0 lsd2 wsf6\">Un<span class=\"_ _6\"></span>app<span class=\"_ _6\"></span>roved<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x954 h28 y2ad0 ff56 fs19 fc2 sc0 lsc9 wsed\">and matc<span class=\"_ _0\"></span>hing<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m0 x955 h28 y2ad0 ff56 fs19 fc2 sc0 lse2 ws94\">US<span class=\"_ _0\"></span> Options<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x956 h28 y2ad1 ff55 fs19 fc2 sc0 ls12 ws16\">EMI O<span class=\"_ _6\"></span>p<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x957 h28 y2ad1 ff56 fs19 fc2 sc0 lse2 ws94\" colspan=\"2\">Options<span class=\"_ _2f2\"> </span></td><td class=\"c n x8ea y2ad2 w4ec h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">shares<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x958 y2ad2 w4ed h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">L<span class=\"_ _0\"></span>TIP Aw<span class=\"_ _6\"></span>ard<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x959 y2ad2 w4ee h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsca wsee\">Schemes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x95a y2ad2 w4ef h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x95c y2ad3 w4f0 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d WAE<span class=\"_ _6\"></span>P</div><div class=\"t m0 x95b h48 y27ab ff56 fs23 fc2 sc0 ls12 ws16\">1</div></td><td class=\"c n x95d y2ad3 w4f1 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d WAE<span class=\"_ _6\"></span>P</div></td><td class=\"c n x95e y2ad3 w4f1 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">N<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r an<span class=\"_ _6\"></span>d WAEP</div></td><td class=\"c n x95f y2ad3 w4f2 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>nd WA<span class=\"_ _6\"></span>EP<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x960 y2ad3 w4f3 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r an<span class=\"_ _6\"></span>d WAEP</div></td><td class=\"c n x961 y2ad3 w4f1 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">N<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r and WA<span class=\"_ _6\"></span>EP<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x962 y2ad4 w4f4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x963 y2ad4 w191 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m</div></td><td class=\"c n x964 y2ad4 w4f4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x965 y2ad4 w191 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m</div></td><td class=\"c n x966 y2ad4 w4f5 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x967 y2ad4 w191 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x968 y2ad4 w4f4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x969 y2ad4 w191 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m</div></td><td class=\"c n x96a y2ad4 w4f4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x96b y2ad4 w191 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x96c y2ad4 w4f6 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x96d y2ad4 w191 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h28 y2ad5 ff56 fs19 fc2 sc0 lsca wsee\">Outstanding </td><td class=\"c n x96e y2ad6 w4f7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5f wsff\">45,3<span class=\"_ _6\"></span>00</div></td><td class=\"c n x96f y2ad6 w4f8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls16c ws1a5\">0<span class=\"_ _6\"></span>.0<span class=\"_ _6\"></span>24</div></td><td class=\"c n x970 y2ad6 w4f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4 ws2f\">4,622<span class=\"_ _0\"></span>,591</div></td><td class=\"c n x971 y2ad6 w4fa h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse3 ws10a\">0.<span class=\"_ _6\"></span>328</div></td><td class=\"c n x972 y2ad6 w4fb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2a ws39\">4,392<span class=\"_ _0\"></span>,6<span class=\"_ _0\"></span>34</div></td><td class=\"c n x973 y2ad6 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x974 y2ad6 w4fc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls75 wsb4\">33,540,539</div></td><td class=\"c n x975 y2ad6 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x976 y2ad6 w4fd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls56 ws5f\">2,7<span class=\"_ _6\"></span>72,<span class=\"_ _6\"></span>35<span class=\"_ _6\"></span>0</div></td><td class=\"c n x977 y2ad6 w1ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls56 ws5f\">0.429</div></td><td class=\"c n x978 y2ad6 w4fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls91 wsa0\">45<span class=\"_ _6\"></span>,<span class=\"_ _6\"></span>373<span class=\"_ _6\"></span>,<span class=\"_ _6\"></span>414</div></td><td class=\"c n x979 y2ad6 w4ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls56 ws5f\">0.0<span class=\"_ _6\"></span>68<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h28 y2ad7 ff55 fs19 fc2 sc0 ls12 ws16\">at 1 J<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>uar<span class=\"_ _6\"></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=\"t m0 x250 h28 y2ad8 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </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=\"t m0 x250 h28 y2ad9 ff56 fs19 fc2 sc0 lsc9 wsed\">Granted </td><td class=\"c n x97a y2ada w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x97b y2ada w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x97c y2ada w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x97d y2ada w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x97e y2ada w500 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls56 ws5f\">4<span class=\"_ _6\"></span>69,<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>0</div></td><td class=\"c n x97f y2ada w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x980 y2ada w501 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">12,313<span class=\"_ _0\"></span>,814</div></td><td class=\"c n x981 y2ada w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x982 y2ada w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x983 y2ada w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x984 y2ada w502 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls56 ws5f\">12,782,<span class=\"_ _6\"></span>82<span class=\"_ _0\"></span>4</div></td><td class=\"c n x985 y2ada w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2adc w503 hde\"><div class=\"t m0 x1b5 h28 y2adb ff56 fs19 fc2 sc0 ls12 ws16\">du<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsd2 wsf6\">year<span class=\"_ _2f2\"> </span></div></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 x250 h28 y2add ff56 fs19 fc2 sc0 ls108 ws12f\">Exe<span class=\"_ _6\"></span>rcis<span class=\"_ _6\"></span>ed </td><td class=\"c n x986 y2ade w504 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3b ws45\">(4<span class=\"_ _6\"></span>5,<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0)</div></td><td class=\"c n x987 y2ade w4f8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls16c ws1a5\">0<span class=\"_ _6\"></span>.0<span class=\"_ _6\"></span>24</div></td><td class=\"c n x988 y2ade w505 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls75 wsb4\">(95<span class=\"_ _0\"></span>1,535<span class=\"_ _0\"></span>)</div></td><td class=\"c n x989 y2ade w506 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2b ws66\">0.360</div></td><td class=\"c n x98a y2ade w507 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls54 ws5c\">(8<span class=\"_ _6\"></span>26,<span class=\"_ _6\"></span>5<span class=\"_ _6\"></span>52<span class=\"_ _6\"></span>)</div></td><td class=\"c n x98b y2ade w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x98c y2ade w508 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls56 ws5f\">(<span class=\"_ _6\"></span>6,733<span class=\"_ _6\"></span>,720)</div></td><td class=\"c n x98d y2ade w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x98e y2ade w509 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>74<span class=\"_ _6\"></span>1<span class=\"_ _5\"></span>,<span class=\"_ _6\"></span>2<span class=\"_ _5\"></span>2<span class=\"_ _6\"></span>4<span class=\"_ _6\"></span>)</div></td><td class=\"c n x98f y2ade w50a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls56 ws5f\">0.<span class=\"_ _6\"></span>294</div></td><td class=\"c n x990 y2ade w50b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb2 wse1\">(9,29<span class=\"_ _6\"></span>8,3<span class=\"_ _6\"></span>31)</div></td><td class=\"c n x991 y2ade w50c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls56 ws5f\">0.0<span class=\"_ _6\"></span>61<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2a10 w503 hde\"><div class=\"t m0 x1b5 h28 y2adb ff56 fs19 fc2 sc0 ls12 ws16\">du<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsd2 wsf6\">year<span class=\"_ _2f2\"> </span></div></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 x250 h28 y2adf ff56 fs19 fc2 sc0 ls12 ws16\">For<span class=\"_ _5\"></span>fei<span class=\"_ _6\"></span>ted </td><td class=\"c n x97a y2ae0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x97b y2ae0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x992 y2ae0 w50d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls91 wsa0\">(1<span class=\"_ _6\"></span>41)</div></td><td class=\"c n x993 y2ae0 w50e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls56 ws5f\">0.4<span class=\"_ _6\"></span>40</div></td><td class=\"c n x994 y2ae0 w50f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls16d ws1a6\">(<span class=\"_ _5\"></span>7<span class=\"_ _7\"></span>1<span class=\"_ _5\"></span>7,<span class=\"_ _5\"></span>4<span class=\"_ _7\"> </span>8<span class=\"_ _7\"></span>0<span class=\"_ _5\"></span>)</div></td><td class=\"c n x995 y2ae0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x996 y2ae0 w510 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4 ws2f\">(13,<span class=\"_ _0\"></span>159<span class=\"_ _0\"></span>,091)</div></td><td class=\"c n x997 y2ae0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x998 y2ae0 w511 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls66 ws16d\">(1<span class=\"_ _6\"></span>6,<span class=\"_ _6\"></span>09<span class=\"_ _6\"></span>3)</div></td><td class=\"c n x999 y2ae0 w512 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls16c ws1a5\">0<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>24<span class=\"_ _6\"></span>5</div></td><td class=\"c n x99a y2ae0 w513 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2e ws6c\">(13,892,805<span class=\"_ _0\"></span>)</div></td><td class=\"c n x99b y2ae0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2ae2 w503 hdf\"><div class=\"t m0 x1b5 h28 y2ae1 ff56 fs19 fc2 sc0 ls12 ws16\">du<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsd2 wsf6\">year<span class=\"_ _2f2\"> </span></div></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 x250 h28 y2ae3 ff56 fs19 fc2 sc0 lsca wsee\">Outstanding </td><td class=\"c n x97a y2ae4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x97b y2ae4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x99c y2ae4 w514 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls89 wscf\">3,670<span class=\"_ _6\"></span>,9<span class=\"_ _6\"></span>15</div></td><td class=\"c n x99d y2ae4 w515 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls56 ws5f\">0.3<span class=\"_ _6\"></span>19</div></td><td class=\"c n x99e y2ae4 w516 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">3,317<span class=\"_ _b\"></span>,612</div></td><td class=\"c n x99f y2ae4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9a0 y2ae4 w517 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls75 wsb4\">25<span class=\"_ _0\"></span>,961,54<span class=\"_ _0\"></span>2</div></td><td class=\"c n x9a1 y2ae4 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9a2 y2ae4 w518 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls27 ws69\">2,015<span class=\"_ _6\"></span>,033</div></td><td class=\"c n x9a3 y2ae4 w519 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls56 ws5f\">0.48<span class=\"_ _6\"></span>0</div></td><td class=\"c n x9a4 y2ae4 w51a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6a ws86\">34,9<span class=\"_ _6\"></span>65,102</div></td><td class=\"c n x9a5 y2ae4 w1c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls56 ws5f\">0.072<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h28 y2ae5 ff56 fs19 fc2 sc0 ls12 ws16\">at 3<span class=\"_ _6\"></span>1 </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 x250 h28 y2ae6 ff55 fs19 fc2 sc0 lsca wsee\">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=\"t m0 x250 h28 y2ae7 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </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></table></div><div class=\"gs763\"><table class=\"s w51b he0\" id=\"_6f83d2ff-b641-46f5-a191-8de262f26bbc\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x952 h28 y2ae8 ff56 fs19 fc2 sc0 ls108 ws12f\">Free sh<span class=\"_ _6\"></span>ares<span class=\"_ _2f2\"> </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 class=\"t m0 x953 h28 y2ae9 ff56 fs19 fc2 sc0 lsd2 wsf6\">Un<span class=\"_ _6\"></span>app<span class=\"_ _6\"></span>roved<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x954 h28 y2ae9 ff56 fs19 fc2 sc0 lsc9 wsed\">and matc<span class=\"_ _0\"></span>hing<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m0 x955 h28 y2ae9 ff56 fs19 fc2 sc0 lse2 ws94\">US<span class=\"_ _0\"></span> Options<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x956 h28 y2aea ff55 fs19 fc2 sc0 ls12 ws16\">PS<span class=\"_ _6\"></span>P Op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x957 h28 y2aea ff56 fs19 fc2 sc0 lse2 ws94\" colspan=\"2\">Options<span class=\"_ _2f2\"> </span></td><td class=\"c n x8ea y2aeb w4ec h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsc9 wsed\">shares<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x958 y2aeb w4ed h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">L<span class=\"_ _0\"></span>TIP Aw<span class=\"_ _6\"></span>ard<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td></td><td></td><td class=\"c n x959 y2aeb w4ee h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsca wsee\">Schemes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x95a y2aeb w4ef h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x95c y2aed w4f0 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d WAE<span class=\"_ _6\"></span>P</div><div class=\"t m0 x95b h48 y2aec ff56 fs23 fc2 sc0 ls12 ws16\">1</div></td><td class=\"c n x95d y2aed w4f1 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d WAE<span class=\"_ _6\"></span>P</div></td><td class=\"c n x95e y2aed w4f1 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">N<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r an<span class=\"_ _6\"></span>d WAEP</div></td><td class=\"c n x95f y2aed w4f2 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>nd WA<span class=\"_ _6\"></span>EP<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x960 y2aed w4f3 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r an<span class=\"_ _6\"></span>d WAEP</div></td><td class=\"c n x961 y2aed w4f1 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">N<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r and WA<span class=\"_ _6\"></span>EP<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x962 y2aee w4f4 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x963 y2aee w191 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m</div></td><td class=\"c n x964 y2aee w4f4 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x965 y2aee w191 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m</div></td><td class=\"c n x966 y2aee w4f5 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x967 y2aee w191 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x968 y2aee w4f4 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x969 y2aee w191 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m</div></td><td class=\"c n x96a y2aee w4f4 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x96b y2aee w191 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x96c y2aee w4f6 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n x96d y2aee w191 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h28 y2aef ff56 fs19 fc2 sc0 lsca wsee\">Outstanding </td><td class=\"c n x97a y296e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x97b y296e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9a6 y296e w51c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsa9 wsbe\">3<span class=\"_ _6\"></span>,670,<span class=\"_ _6\"></span>91<span class=\"_ _6\"></span>5</div></td><td class=\"c n x9a7 y296e w51d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb2 wse1\">0.31<span class=\"_ _6\"></span>9</div></td><td class=\"c n x9a8 y296e w51e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls4 ws2f\">3,317<span class=\"_ _b\"></span>,612</div></td><td class=\"c n x9a9 y296e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9aa y296e w51f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">25,<span class=\"_ _0\"></span>961,54<span class=\"_ _0\"></span>2</div></td><td class=\"c n x9ab y296e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9ac y296e w520 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3 wsfc\">2,0<span class=\"_ _6\"></span>15,03<span class=\"_ _6\"></span>3</div></td><td class=\"c n x9ad y296e w521 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb2 wse1\">0.4<span class=\"_ _6\"></span>80</div></td><td class=\"c n x9ae y296e w522 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3c ws46\">3<span class=\"_ _6\"></span>4,9<span class=\"_ _6\"></span>65,102</div></td><td class=\"c n x9af y296e w523 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb2 wse1\">0.072<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h28 y2af0 ff55 fs19 fc2 sc0 ls12 ws16\">at 1 J<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>uar<span class=\"_ _6\"></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=\"t m0 x250 h28 y2af1 ff55 fs19 fc2 sc0 ls11f ws149\">2025<span class=\"_ _2f2\"> </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=\"t m0 x250 h28 y2af2 ff56 fs19 fc2 sc0 lsc9 wsed\">Granted </td><td class=\"c n x9b0 y2af3 w524 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb2 wse1\">5,7<span class=\"_ _6\"></span>75,75<span class=\"_ _6\"></span>5</div></td><td class=\"c n x9b1 y2af3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9b2 y2af3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9b3 y2af3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9b4 y2af3 w525 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls16e ws1a7\">24<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>,<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>9<span class=\"_ _6\"></span>0</div></td><td class=\"c n x9b5 y2af3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9b6 y2af3 w526 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls61 wsa6\">3,920<span class=\"_ _0\"></span>,954</div></td><td class=\"c n x9b7 y2af3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9b8 y2af3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9b9 y2af3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9ba y2af3 w527 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls61 wsa6\">9,936,999</div></td><td class=\"c n x9bb y2af3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2af5 w503 hde\"><div class=\"t m0 x1b5 h28 y2af4 ff56 fs19 fc2 sc0 ls12 ws16\">du<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsd2 wsf6\">year<span class=\"_ _2f2\"> </span></div></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 x250 h28 y2af6 ff56 fs19 fc2 sc0 ls108 ws12f\">Exe<span class=\"_ _6\"></span>rcis<span class=\"_ _6\"></span>ed </td><td class=\"c n x97a y2af7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x97b y2af7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9bc y2af7 w528 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse3 ws10a\">(207<span class=\"_ _0\"></span>,251)</div></td><td class=\"c n x9bd y2af7 w529 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb2 wse1\">0.31<span class=\"_ _6\"></span>8</div></td><td class=\"c n x9be y2af7 w52a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls46 ws50\">(638<span class=\"_ _6\"></span>,21<span class=\"_ _6\"></span>5)</div></td><td class=\"c n x9bf y2af7 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9c0 y2af7 w52b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3c ws46\">(4,58<span class=\"_ _6\"></span>4,403)</div></td><td class=\"c n x9c1 y2af7 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9c2 y2af7 w52c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb2 wse1\">(1,182,3<span class=\"_ _6\"></span>12)</div></td><td class=\"c n x9c3 y2af7 w52d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb2 wse1\">0.3<span class=\"_ _6\"></span>01</div></td><td class=\"c n x9c4 y2af7 w52e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5e ws67\">(<span class=\"_ _6\"></span>6<span class=\"_ _5\"></span>,6<span class=\"_ _5\"></span>12<span class=\"_ _6\"></span>,1<span class=\"_ _6\"></span>8<span class=\"_ _5\"></span>1)</div></td><td class=\"c n x9c5 y2af7 w52f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb2 wse1\">0.0<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2af9 w503 hdf\"><div class=\"t m0 x1b5 h28 y2af8 ff56 fs19 fc2 sc0 ls12 ws16\">du<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsd2 wsf6\">year<span class=\"_ _2f2\"> </span></div></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 x250 h28 y2afa ff56 fs19 fc2 sc0 ls12 ws16\">For<span class=\"_ _5\"></span>fei<span class=\"_ _6\"></span>ted </td><td class=\"c n x95c y2afb w530 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse3 ws10a\">(3<span class=\"_ _6\"></span>65<span class=\"_ _6\"></span>,<span class=\"_ _6\"></span>33<span class=\"_ _6\"></span>7)</div></td><td class=\"c n x9c6 y2afb w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9c7 y2afb w531 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5e ws67\">(<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>1<span class=\"_ _5\"></span>,17<span class=\"_ _5\"></span>1)</div></td><td class=\"c n x9c8 y2afb w532 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls89 wscf\">0.<span class=\"_ _6\"></span>284</div></td><td class=\"c n x9c9 y2afb w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls6a ws86\">(3<span class=\"_ _6\"></span>02,528)</div></td><td class=\"c n x9ca y2afb w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9cb y2afb w534 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2b ws66\">(<span class=\"_ _0\"></span>4,<span class=\"_ _0\"></span>345,<span class=\"_ _b\"></span>118)</div></td><td class=\"c n x9cc y2afb w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9cd y2afb w535 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls61 wsa6\">(13,975<span class=\"_ _0\"></span>)</div></td><td class=\"c n x9ce y2afb w536 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb2 wse1\">0.44<span class=\"_ _6\"></span>0</div></td><td class=\"c n x9cf y2afb w537 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3 wsfc\">(5,0<span class=\"_ _6\"></span>88<span class=\"_ _6\"></span>,<span class=\"_ _0\"></span>129)</div></td><td class=\"c n x9d0 y2afb w538 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb2 wse1\">0.00<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2afc w503 hde\"><div class=\"t m0 x1b5 h28 y2af4 ff56 fs19 fc2 sc0 ls12 ws16\">du<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lsd2 wsf6\">year<span class=\"_ _2f2\"> </span></div></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 x250 h83 y2afd ff54 fs19 fc2 sc0 lsdb ws103\">Outstanding </td><td class=\"c n x9b0 y2afe w539 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls3b ws45\">5,<span class=\"_ _6\"></span>41<span class=\"_ _6\"></span>0,<span class=\"_ _6\"></span>41<span class=\"_ _6\"></span>8</div></td><td class=\"c n x9d1 y2afe w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9d2 y2afe w53a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls3a ws44\">3,402,493</div></td><td class=\"c n x9d3 y2afe w53b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls16c ws1a5\">0.<span class=\"_ _6\"></span>320</div></td><td class=\"c n x9d4 y2afe w53c h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls16f ws1a8\">2<span class=\"_ _5\"></span>,<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7,<span class=\"_ _6\"></span>1<span class=\"_ _5\"></span>5<span class=\"_ _5\"></span>9</div></td><td class=\"c n x9d5 y2afe w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9d6 y2afe w53d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls67 ws99\">20,952,975</div></td><td class=\"c n x9d7 y2afe w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x268 y2afe w53e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls8 ws9\">8<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>8<span class=\"_ _5\"></span>,<span class=\"_ _6\"></span>74<span class=\"_ _6\"></span>6</div></td><td class=\"c n x9d8 y2afe w53f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls8 ws9\">0<span class=\"_ _6\"></span>.<span class=\"_ _6\"></span>74<span class=\"_ _6\"></span>0</div></td><td class=\"c n x9d9 y2afe w540 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">33,201,<span class=\"_ _0\"></span>791</div></td><td class=\"c n x9da y2afe w541 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsa9 wsbe\">0.0<span class=\"_ _6\"></span>62<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h83 y2aff ff54 fs19 fc2 sc0 ls12 ws16\">at 3<span class=\"_ _6\"></span>1 </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 x250 h83 y2b00 ff54 fs19 fc2 sc0 lsdb ws103\">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=\"t m0 x250 h83 y2b01 ff54 fs19 fc2 sc0 ls82 wsa1\">2025<span class=\"_ _2f2\"> </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></table></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 ls12 ws16 gs764\">1.  <span class=\"_ _5\"> </span>We<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hte<span class=\"_ _6\"></span>d ave<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ge exe<span class=\"_ _6\"></span>rc<span class=\"_ _6\"></span>ise p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs765\">The fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>ble s<span class=\"_ _6\"></span>umm<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ises i<span class=\"_ _6\"></span>nfor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n ab<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>re award<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2025:<span class=\"_ _2f2\"> </span></div><div class=\"gs766\"><table class=\"s w542 he1\" id=\"_3099715d-e344-495f-ab28-1050990a0ad7\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x952 h28 y2b02 ff53 fs19 fc3 sc0 lsc8 wsec\">Free<span class=\"_ _0\"></span> shares<span class=\"_ _2f2\"> </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 x9db h28 y2b03 ff53 fs19 fc3 sc0 lsdb ws103\">Unapprov<span class=\"_ _0\"></span>ed<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x954 h28 y2b03 ff53 fs19 fc3 sc0 lsca wsee\">and matc<span class=\"_ _0\"></span>hing<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x9dc h28 y2b03 ff53 fs19 fc3 sc0 lsca wsee\">US Options<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9dd h28 y2b04 ff53 fs19 fc3 sc0 lsca wsee\">PSP Options<span class=\"_ _2f2\"> </span></td><td></td><td></td><td class=\"t m0 x957 h28 y2b04 ff53 fs19 fc3 sc0 lsca wsee\">Options<span class=\"_ _2f2\"> </span></td><td></td><td class=\"c n x8ea y2b05 w543 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 lsc8 wsec\">shares<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x9de y2b05 w544 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls170 ws1a9\">LT<span class=\"_ _6\"></span>I<span class=\"_ _5\"></span>P<span class=\"_ _6\"></span> A<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>r<span class=\"_ _5\"></span>d<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x9df y2b05 w545 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 lsfc ws124\">Schemes<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x9e0 y2b05 w546 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls100 ws127\">To<span class=\"_ _6\"></span>t<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>l<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c x1be y2b06 w547 hde\"><div class=\"t m0 x1b5 h28 y2af4 ff55 fs19 fc2 sc0 ls12 ws16\">Ra<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e of<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 ls108 ws12f\">exerci<span class=\"_ _6\"></span>se<span class=\"_ _2f2\"> </span></div></td><td class=\"t m0 x9dd h28 y2b07 ff53 fs19 fc3 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>nd </td><td class=\"c x9e2 y2b08 w548 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls70 ws74\">WA<span class=\"_ _6\"></span>RC<span class=\"_ _6\"></span>L</div><div class=\"t m0 x9e1 h48 y28f9 ff53 fs23 fc3 sc0 ls12 ws16\">1</div></td><td class=\"c n x9e3 y2b08 w549 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>nd WAR<span class=\"_ _6\"></span>CL</div></td><td class=\"c n x9e4 y2b08 w549 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>nd WAR<span class=\"_ _6\"></span>CL</div></td><td class=\"c n x9e5 y2b08 w54a h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>nd WA<span class=\"_ _6\"></span>RC<span class=\"_ _6\"></span>L</div></td><td class=\"c n x9e6 y2b08 w54a h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">N<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r and WA<span class=\"_ _6\"></span>RC<span class=\"_ _6\"></span>L</div></td><td class=\"c n x9e7 y2b08 w54b h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls12 ws16\">N<span class=\"_ _6\"></span>um<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r an<span class=\"_ _6\"></span>d WARC<span class=\"_ _6\"></span>L<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h28 y2b09 ff56 fs19 fc2 sc0 ls11b ws144\">prices<span class=\"_ _2f2\"> </span></td><td class=\"c n x9e8 y2b0a w54c h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 lsca wsee\">Number</div></td><td class=\"c n x9e9 y2b0a w54d h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls14d ws180\">Ye<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>r<span class=\"_ _5\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9ea y2b0a w454 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls14d ws180\">Ye<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>r<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9eb y2b0a w54c h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 lsca wsee\">Number<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9ec y2b0a w454 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls14d ws180\">Ye<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>r<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9ed y2b0a w54e h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 lsca wsee\">Num<span class=\"_ _6\"></span>ber<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9ee y2b0a w54f h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls14d ws180\">Ye<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9ef y2b0a w54c h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 lsca wsee\">Number<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9f0 y2b0a w54c h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 lsca wsee\">Number</div></td><td class=\"c n x9f1 y2b0a w54f h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls14d ws180\">Ye<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9f2 y2b0a w1ec h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 ls14d ws180\">Ye<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>r<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9f3 y2b0a w550 h96\"><div class=\"t m0 x1b5 h28 y286d ff53 fs19 fc3 sc0 lsca wsee\">Numbe<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b0c w551 h96\"><div class=\"t m0 x1b5 h5 y2b0b ff55 fs19 fc2 sc0 ls97 wsdc\">\u00a30<span class=\"_ _6\"></span>\u2013<span class=\"_ _6\"></span>\u00a3<span class=\"_ _6\"></span>0.00<span class=\"_ _6\"></span>8</div></td><td class=\"c n x9f4 y2956 w552 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">5,<span class=\"_ _6\"></span>41<span class=\"_ _6\"></span>0,<span class=\"_ _6\"></span>41<span class=\"_ _6\"></span>8</div></td><td class=\"c n x9f5 y2956 w553 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls60 ws117\">9.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9f6 y2956 w554 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls62 wsc3\">2.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9f7 y2956 w555 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls48 ws52\">2,<span class=\"_ _0\"></span>153,314<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9f8 y2956 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9f9 y2956 w556 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls171 ws1aa\">2<span class=\"_ _5\"></span>,<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7,<span class=\"_ _6\"></span>1<span class=\"_ _7\"> </span>5<span class=\"_ _5\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9fa y2956 w557 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls171 ws1aa\">7.<span class=\"_ _5\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9fb y2956 w558 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls3a ws44\">20,952,975<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9fc y2956 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n x9fd y2956 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9fe y2956 w559 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5f wsff\">6.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9ff y2956 w55a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls61 wsa6\">31,<span class=\"_ _0\"></span>119,891<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b0d w55b h96\"><div class=\"t m0 x1b5 h5 y2b0b ff55 fs19 fc2 sc0 lsce wsf1\">\u00a30.0<span class=\"_ _6\"></span>09<span class=\"_ _6\"></span>\u2013<span class=\"_ _6\"></span>\u00a3<span class=\"_ _6\"></span>0.<span class=\"_ _0\"></span>176<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa00 y285e w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n xa01 y285e w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa02 y285e w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa03 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa04 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa05 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa06 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa07 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa08 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n xa09 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x9bb y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa0a y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b0e w55c h96\"><div class=\"t m0 x1b5 h5 y2b0b ff55 fs19 fc2 sc0 ls97 wsdc\">\u00a30.177\u2013<span class=\"_ _6\"></span>\u00a3<span class=\"_ _6\"></span>0.471<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa0b y293b w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n xa0c y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa0d y293b w55d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls48 ws52\">1.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa0e y293b w55e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls67 ws99\">879,203<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa0f y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa10 y293b w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa11 y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x463 y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa12 y293b w55f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">261,435</div></td><td class=\"c n xa13 y293b w560 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls62 wsc3\">2<span class=\"_ _6\"></span>.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa14 y293b w561 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5f wsff\">1.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa15 y293b w562 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">1,<span class=\"_ _0\"></span>154,<span class=\"_ _0\"></span>613<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h28 y2b0f ff55 fs19 fc2 sc0 lsd2 wsf6\">\u00a30.472\u2013<span class=\"_ _6\"></span>\u00a3<span class=\"_ _6\"></span>1.75<span class=\"_ _2f2\"> </span></td><td class=\"c n xa16 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n xa17 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa18 y28e0 w563 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls67 ws99\">2.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa19 y28e0 w564 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls60 ws117\">3<span class=\"_ _6\"></span>69,<span class=\"_ _6\"></span>976<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa1a y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa1b y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa1c y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa1d y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa1e y28e0 w565 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls171 ws1aa\">5<span class=\"_ _7\"></span>5<span class=\"_ _5\"></span>7,<span class=\"_ _5\"></span>3<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>1</div></td><td class=\"c n xa1f y28e0 w566 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls46 ws50\">2<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa20 y28e0 w560 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls62 wsc3\">2<span class=\"_ _6\"></span>.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa21 y28e0 w567 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls67 ws99\">927<span class=\"_ _b\"></span>,<span class=\"_ _6\"></span>287<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x95c y280f w552 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">5,<span class=\"_ _6\"></span>41<span class=\"_ _6\"></span>0,<span class=\"_ _6\"></span>41<span class=\"_ _6\"></span>8</div></td><td class=\"c n xa22 y280f w568 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls60 ws117\">9.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa23 y280f w569 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls62 wsc3\">2<span class=\"_ _6\"></span>.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa24 y280f w56a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls62 wsc3\">3,4<span class=\"_ _6\"></span>02,493<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa25 y280f w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa26 y280f w556 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls171 ws1aa\">2<span class=\"_ _7\"></span>,<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7,<span class=\"_ _6\"></span>1<span class=\"_ _5\"></span>5<span class=\"_ _5\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa27 y280f w557 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls171 ws1aa\">7.<span class=\"_ _5\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa28 y280f w558 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls3a ws44\">20,952,975<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa29 y280f w56b h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lsb3 wsc8\">8<span class=\"_ _6\"></span>1<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>,<span class=\"_ _6\"></span>74<span class=\"_ _5\"></span>6</div></td><td class=\"c n xa2a y280f w560 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls62 wsc3\">2<span class=\"_ _6\"></span>.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa2b y280f w18d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls46 ws50\">6.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa2c y280f w56c h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls29 ws87\">33,201,<span class=\"_ _0\"></span>791<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 ls37 ws40 gs767\">1. <span class=\"_ _24\"> </span>W<span class=\"_ _0\"></span>eighted<span class=\"_ _0\"></span> av<span class=\"_ _0\"></span>erage remainin<span class=\"_ _0\"></span>g contractual<span class=\"_ _0\"></span> life.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs769\">The fo<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>owin<span class=\"_ _6\"></span>g ta<span class=\"_ _6\"></span>ble s<span class=\"_ _6\"></span>umm<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ises i<span class=\"_ _6\"></span>nfor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n ab<span class=\"_ _6\"></span>ou<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>re award<span class=\"_ _6\"></span>s ou<span class=\"_ _6\"></span>ts<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 202<span class=\"_ _0\"></span>4:<span class=\"_ _2f2\"> </span></div><div class=\"gs76a\"><table class=\"s w56d he2\" id=\"_a02edf19-7d7a-4b53-9309-68fbb5b4b979\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xa2d h28 y2b10 ff56 fs19 fc2 sc0 ls108 ws12f\">Free sh<span class=\"_ _6\"></span>ares<span class=\"_ _2f2\"> </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 xa2e h28 y2b11 ff56 fs19 fc2 sc0 lsd2 wsf6\">Un<span class=\"_ _6\"></span>app<span class=\"_ _6\"></span>roved<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x6ce h28 y2b11 ff56 fs19 fc2 sc0 lsc9 wsed\">and matc<span class=\"_ _0\"></span>hing<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td class=\"t m0 x6db h28 y2b11 ff56 fs19 fc2 sc0 lse2 ws94\">US<span class=\"_ _0\"></span> Options<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xa2f h28 y2b12 ff55 fs19 fc2 sc0 ls12 ws16\">EMI O<span class=\"_ _6\"></span>p<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 xa30 h28 y2b12 ff56 fs19 fc2 sc0 lse2 ws94\">Options<span class=\"_ _2f2\"> </span></td><td></td><td class=\"c n xa31 y2b05 w4ec h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">shares<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n xa32 y2b05 w4ed h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">L<span class=\"_ _0\"></span>TIP Aw<span class=\"_ _6\"></span>ard<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x959 y2b05 w4ee h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsca wsee\">Schemes<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n x95a y2b05 w4ef h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 ls102 ws129\">To<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>l<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xa33 h28 y2b13 ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d </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 x1be y2b06 w547 hde\"><div class=\"t m0 x1b5 h28 y2adb ff55 fs19 fc2 sc0 ls12 ws16\">Ra<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e of<span class=\"_ _2f2\"> </span></div><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 ls108 ws12f\">exerci<span class=\"_ _6\"></span>se<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c xa35 y2b08 w56e h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls172 ws1ab\">WA<span class=\"_ _6\"></span>RC<span class=\"_ _6\"></span>L</div><div class=\"t m0 xa34 h48 y27ab ff56 fs23 fc2 sc0 ls12 ws16\">1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa36 y2b08 w56f h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d WAR<span class=\"_ _6\"></span>CL</div></td><td class=\"c n xa37 y2b08 w56f h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>nd WA<span class=\"_ _6\"></span>RCL</div></td><td class=\"c n xa38 y2b08 w570 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>nd WA<span class=\"_ _6\"></span>RCL<span class=\"_ _2f2\"> </span></div></td><td></td><td class=\"c n xa39 y2b08 w570 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>nd WA<span class=\"_ _6\"></span>RCL</div></td><td class=\"c n xa3a y2b08 w570 h96\" colspan=\"2\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Nu<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er a<span class=\"_ _6\"></span>nd WAR<span class=\"_ _6\"></span>CL<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h28 y2b14 ff56 fs19 fc2 sc0 ls11b ws144\">prices<span class=\"_ _2f2\"> </span></td><td class=\"c n xa3b y2b0a w4f4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n xa3c y2b0a w571 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls157 ws18a\">Ye<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa3d y2b0a w571 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls157 ws18a\">Ye<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa3e y2b0a w4f4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Number<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa3f y2b0a w572 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls157 ws18a\">Ye<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>r<span class=\"_ _5\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa40 y2b0a w4f4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Number<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa41 y2b0a w572 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls157 ws18a\">Ye<span class=\"_ _5\"></span>a<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa42 y2b0a w573 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Numb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa43 y2b0a w4f4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Number</div></td><td class=\"c n xa44 y2b0a w571 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls157 ws18a\">Ye<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa45 y2b0a w574 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls157 ws18a\">Yea<span class=\"_ _5\"></span>r<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa46 y2b0a w4f4 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Number<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b0c w551 h96\"><div class=\"t m0 x1b5 h5 y2b0b ff55 fs19 fc2 sc0 ls97 wsdc\">\u00a30<span class=\"_ _6\"></span>\u2013<span class=\"_ _6\"></span>\u00a3<span class=\"_ _6\"></span>0.00<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa47 y2956 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n xa48 y2956 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa49 y2956 w5f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa4a y2956 w575 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse3 ws10a\">2<span class=\"_ _6\"></span>,1<span class=\"_ _5\"></span>9<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>,<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa4b y2956 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa4c y2956 w576 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7e wsa9\">3,317<span class=\"_ _b\"></span>,612<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa4d y2956 w577 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">8.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa4e y2956 w578 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">2<span class=\"_ _0\"></span>5,<span class=\"_ _0\"></span>961,54<span class=\"_ _0\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa4f y2956 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n xa50 y2956 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa51 y2956 w579 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">6.8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa52 y2956 w57a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">31,469,<span class=\"_ _b\"></span>171<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b0d w55b h96\"><div class=\"t m0 x1b5 h5 y2b0b ff55 fs19 fc2 sc0 lsce wsf1\">\u00a30.0<span class=\"_ _6\"></span>09<span class=\"_ _6\"></span>\u2013<span class=\"_ _6\"></span>\u00a3<span class=\"_ _6\"></span>0.<span class=\"_ _0\"></span>176</div></td><td class=\"c n xa53 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n xa54 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa55 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa56 y285e w57b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">2,0<span class=\"_ _6\"></span>33<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa57 y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa58 y285e w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa59 y285e w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa5a y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa5b y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n xa5c y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa5d y285e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa5e y285e w57b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">2,0<span class=\"_ _6\"></span>33<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b0e w55c h96\"><div class=\"t m0 x1b5 h5 y2b0b ff55 fs19 fc2 sc0 ls97 wsdc\">\u00a30.177\u2013<span class=\"_ _6\"></span>\u00a3<span class=\"_ _6\"></span>0.471<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa5f y293b w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n xa60 y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa61 y293b w57c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">2.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa62 y293b w57d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse3 ws10a\">1<span class=\"_ _5\"></span>,11<span class=\"_ _5\"></span>0,<span class=\"_ _6\"></span>2<span class=\"_ _5\"></span>27<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa63 y293b w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa64 y293b w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa65 y293b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa66 y293b w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa67 y293b w57e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>,<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>1<span class=\"_ _5\"></span>7,<span class=\"_ _5\"></span>6<span class=\"_ _7\"> </span>5<span class=\"_ _7\"></span>0</div></td><td class=\"c n xa68 y293b w83 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa69 y293b w4a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1<span class=\"_ _6\"></span>.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa6a y293b w57f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">2<span class=\"_ _5\"></span>,<span class=\"_ _5\"></span>5<span class=\"_ _5\"></span>2<span class=\"_ _5\"></span>7,<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7<span class=\"_ _5\"></span>7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h28 y2b15 ff55 fs19 fc2 sc0 lsd2 wsf6\">\u00a30.472\u2013<span class=\"_ _6\"></span>\u00a3<span class=\"_ _6\"></span>1.75<span class=\"_ _2f2\"> </span></td><td class=\"c n xa6b y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n xa6c y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa6d y28e0 w580 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa6e y28e0 w581 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls24 ws2c\">3<span class=\"_ _6\"></span>68,63<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa6f y28e0 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa70 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa71 y28e0 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa72 y28e0 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa73 y28e0 w582 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">5<span class=\"_ _5\"></span>9<span class=\"_ _5\"></span>7,<span class=\"_ _7\"></span>3<span class=\"_ _5\"></span>8<span class=\"_ _7\"> </span>3</div></td><td class=\"c n xa74 y28e0 w5f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa75 y28e0 w5f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">3.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa76 y28e0 w583 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">9<span class=\"_ _6\"></span>66,<span class=\"_ _6\"></span>021<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n xa6b y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014</div></td><td class=\"c n xa6c y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa77 y280f w320 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa78 y280f w584 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2a ws39\">3,<span class=\"_ _6\"></span>670,9<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa79 y280f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa7a y280f w585 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7e wsa9\">3,317<span class=\"_ _a\"></span>,612<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa7b y280f w2b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls2f ws37\">8<span class=\"_ _6\"></span>.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa7c y280f w586 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd4 wsf8\">25<span class=\"_ _0\"></span>,961,54<span class=\"_ _0\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa7d y280f w587 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls51 wsa7\">2,01<span class=\"_ _6\"></span>5,033</div></td><td class=\"c n xa7e y280f w1b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa7f y280f w420 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">6.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa80 y280f w588 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">34,9<span class=\"_ _6\"></span>65,102<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff5a fs7 fc2 sc0 ls37 ws40 gs76b\">1. <span class=\"_ _24\"> </span>W<span class=\"_ _0\"></span>eighted<span class=\"_ _0\"></span> av<span class=\"_ _0\"></span>erage remainin<span class=\"_ _0\"></span>g contractual<span class=\"_ _0\"></span> life.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs76c\">Unapprov<span class=\"_ _0\"></span>ed Options Scheme<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2e ws6c gs76d\">The<span class=\"_ _6\"></span>re have been n<span class=\"_ _6\"></span>o Unap<span class=\"_ _6\"></span>proved O<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s gran<span class=\"_ _6\"></span>ted si<span class=\"_ _6\"></span>nce IP<span class=\"_ _6\"></span>O in 2018. The wei<span class=\"_ _6\"></span>gh<span class=\"_ _6\"></span>ted avera<span class=\"_ _6\"></span>ge fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>es of opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns gra<span class=\"_ _6\"></span>nted un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r the<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2e ws6c gs76e\">Un<span class=\"_ _6\"></span>app<span class=\"_ _6\"></span>roved Op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons Sch<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>e and the US O<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s Sche<span class=\"_ _6\"></span>me ran<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>d bet<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en \u00a30.73 and \u00a31<span class=\"_ _6\"></span>.80 p<span class=\"_ _6\"></span>er opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n respe<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive<span class=\"_ _6\"></span>ly in the p<span class=\"_ _6\"></span>revio<span class=\"_ _6\"></span>us </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2e ws6c gs76f\">year. <span class=\"_ _0\"></span>The<span class=\"_ _6\"></span>se val<span class=\"_ _6\"></span>ues were de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed usi<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e Bla<span class=\"_ _6\"></span>ck-Sch<span class=\"_ _6\"></span>ole<span class=\"_ _6\"></span>s valu<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l. The sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt inp<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ts into t<span class=\"_ _6\"></span>he mo<span class=\"_ _6\"></span>del are as foll<span class=\"_ _6\"></span>ows:<span class=\"_ _2f2\"> </span></div><div class=\"gs770\"><table class=\"s w589 he3\" id=\"_2937f45e-ba3c-4160-ba69-fd5672a544e5\"><tr><td></td><td class=\"t m0 x1b2 h28 y2b16 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2b17 ff56 fs19 fc2 sc0 lsc8 wsec\">Unappro<span class=\"_ _0\"></span>ved<span class=\"_ _0\"></span> Options Sche<span class=\"_ _0\"></span>me<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a6 h28 y2b17 ff56 fs19 fc2 sc0 lsce wsf1\">201<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b18 w58a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Sh<span class=\"_ _6\"></span>are pr<span class=\"_ _6\"></span>ice (va<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ous t<span class=\"_ _6\"></span>ime<span class=\"_ _6\"></span>s dur<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa81 y2b18 w39 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls6c wsf9\">\u00a31<span class=\"_ _6\"></span>.89<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2973 w58b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">E<span class=\"_ _6\"></span>xerci<span class=\"_ _6\"></span>se pr<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa82 y2973 w58c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">\u00a3n<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>\u2013<span class=\"_ _5\"></span>\u00a30.4<span class=\"_ _6\"></span>4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b19 w58d h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls106 ws12d\">Expected<span class=\"_ _0\"></span> life<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa83 y2b19 w58e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">4 yea<span class=\"_ _6\"></span>rs<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b1a w58f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Expec<span class=\"_ _6\"></span>ted v<span class=\"_ _0\"></span>olatilit<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa84 y2b1a w590 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">48%<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b8 w591 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ris<span class=\"_ _6\"></span>k-free i<span class=\"_ _6\"></span>ntere<span class=\"_ _6\"></span>st r<span class=\"_ _6\"></span>ate (b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>wee<span class=\"_ _6\"></span>n)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa85 y28b8 w592 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">0.9<span class=\"_ _6\"></span>3%<span class=\"_ _6\"></span>\u20131.<span class=\"_ _6\"></span>02%<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y295f w593 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdf ws107\">Dividend yield<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa86 y295f w594 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Nil<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w595 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">For<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard excha<span class=\"_ _6\"></span>ng<span class=\"_ _6\"></span>e rate \u2013 U<span class=\"_ _6\"></span>S Op<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons (b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa87 y280f w596 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">0.76<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls173 ws1ac gs771\">LT<span class=\"_ _5\"></span>I<span class=\"_ _5\"></span>P<span class=\"_ _6\"></span> A<span class=\"_ _5\"></span>w<span class=\"_ _6\"></span>a<span class=\"_ _5\"></span>r<span class=\"_ _5\"></span>d<span class=\"_ _5\"></span>s<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs772\">Sin<span class=\"_ _6\"></span>ce al<span class=\"_ _6\"></span>l L<span class=\"_ _b\"></span>TI<span class=\"_ _6\"></span>P Awards we<span class=\"_ _6\"></span>re mad<span class=\"_ _6\"></span>e pos<span class=\"_ _6\"></span>t-I<span class=\"_ _6\"></span>PO, th<span class=\"_ _6\"></span>e Com<span class=\"_ _6\"></span>pany h<span class=\"_ _6\"></span>as use<span class=\"_ _6\"></span>d it<span class=\"_ _6\"></span>s sha<span class=\"_ _6\"></span>re pr<span class=\"_ _6\"></span>ice at g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>t date a<span class=\"_ _6\"></span>s the f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of the L<span class=\"_ _0\"></span>TIP </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2b ws66 gs773\">Award<span class=\"_ _6\"></span>s gran<span class=\"_ _6\"></span>ted d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng t<span class=\"_ _6\"></span>he year to e<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>oyees<span class=\"_ _6\"></span>, if th<span class=\"_ _6\"></span>ese aw<span class=\"_ _6\"></span>ards h<span class=\"_ _6\"></span>ave no per<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns or i<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e per<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs774\">is an u<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>erp<span class=\"_ _6\"></span>in, as i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e RSP Aw<span class=\"_ _6\"></span>ards g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>ted to E<span class=\"_ _6\"></span>xec<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ive D<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>tor b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en 2021 an<span class=\"_ _6\"></span>d 202<span class=\"_ _0\"></span>4.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs775\">For L<span class=\"_ _0\"></span>TIP Award<span class=\"_ _6\"></span>s wi<span class=\"_ _6\"></span>th p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons, s<span class=\"_ _6\"></span>uch a<span class=\"_ _6\"></span>s tho<span class=\"_ _6\"></span>se gr<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>ed un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r the P<span class=\"_ _6\"></span>SP Awa<span class=\"_ _6\"></span>rds gr<span class=\"_ _6\"></span>ante<span class=\"_ _6\"></span>d in 2025, t<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir va<span class=\"_ _6\"></span>lue </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs776\">is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rma<span class=\"_ _6\"></span>nce c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns at<span class=\"_ _5\"></span>tac<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>d to th<span class=\"_ _6\"></span>em, in a<span class=\"_ _6\"></span>cco<span class=\"_ _6\"></span>rda<span class=\"_ _6\"></span>nce wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h IFRS 2 S<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d Paym<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs777\">Ou<span class=\"_ _6\"></span>r PSP Awa<span class=\"_ _6\"></span>rds are s<span class=\"_ _6\"></span>ubj<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t to a com<span class=\"_ _6\"></span>bi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of ma<span class=\"_ _6\"></span>rket-b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d non<span class=\"_ _6\"></span>-m<span class=\"_ _6\"></span>arke<span class=\"_ _6\"></span>t-bas<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs778\">The we<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>hti<span class=\"_ _6\"></span>ng of t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>se co<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ions i<span class=\"_ _6\"></span>s as fol<span class=\"_ _6\"></span>lows: 6<span class=\"_ _6\"></span>0% of th<span class=\"_ _6\"></span>e award i<span class=\"_ _6\"></span>s sub<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t to t<span class=\"_ _6\"></span>he Re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>tive T<span class=\"_ _0\"></span>ota<span class=\"_ _6\"></span>l Sha<span class=\"_ _6\"></span>reh<span class=\"_ _6\"></span>old<span class=\"_ _6\"></span>er R<span class=\"_ _6\"></span>etu<span class=\"_ _6\"></span>rn (\u201c<span class=\"_ _6\"></span>TSR<span class=\"_ _6\"></span>\u201d) </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs779\">con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on (ma<span class=\"_ _6\"></span>rket b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d), and 40% i<span class=\"_ _6\"></span>s sub<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t to t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>fore ta<span class=\"_ _6\"></span>x (\u201c<span class=\"_ _6\"></span>PBT\u201d) co<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (non<span class=\"_ _6\"></span>-ma<span class=\"_ _6\"></span>rket b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff5b fs3 fc1 sc0 ls76 ws7a gs77a\">1<span class=\"_ _6\"></span>. Ma<span class=\"_ _5\"></span>rk<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>t-<span class=\"_ _6\"></span>b<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>s<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>d co<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>o<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>(R<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>a<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>e<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>TS<span class=\"_ _6\"></span>R<span class=\"_ _6\"></span> <span class=\"_ _0\"></span>- <span class=\"_ _0\"></span>6<span class=\"_ _6\"></span>0%-<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>g<span class=\"_ _6\"></span>h<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>n<span class=\"_ _6\"></span>g<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs77b\">The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f award<span class=\"_ _6\"></span>s sub<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t to t<span class=\"_ _6\"></span>he Re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>ive TSR c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n is de<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>min<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e gra<span class=\"_ _6\"></span>nt da<span class=\"_ _6\"></span>te by usi<span class=\"_ _6\"></span>ng a M<span class=\"_ _6\"></span>onte </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs77c\">Ca<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>o sim<span class=\"_ _6\"></span>ula<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l. Thi<span class=\"_ _6\"></span>s com<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ex opt<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n pr<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>ng mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l inc<span class=\"_ _6\"></span>orp<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>ates t<span class=\"_ _6\"></span>he e<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fec<span class=\"_ _6\"></span>t of t<span class=\"_ _6\"></span>he ma<span class=\"_ _6\"></span>rket c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly i<span class=\"_ _6\"></span>nto t<span class=\"_ _6\"></span>he fa<span class=\"_ _6\"></span>ir </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 lsb8 wsce gs77d\">value calculation.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs77e\">Co<span class=\"_ _6\"></span>nse<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, th<span class=\"_ _6\"></span>e cal<span class=\"_ _6\"></span>cul<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue is ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>nse<span class=\"_ _6\"></span>d over th<span class=\"_ _6\"></span>e vest<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d, ir<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>pec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive of wh<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>her t<span class=\"_ _6\"></span>he m<span class=\"_ _6\"></span>arke<span class=\"_ _6\"></span>t per<span class=\"_ _5\"></span>form<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs77f\">con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on is u<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>ly me<span class=\"_ _6\"></span>t, p<span class=\"_ _6\"></span>rovid<span class=\"_ _6\"></span>ed t<span class=\"_ _6\"></span>hat a<span class=\"_ _6\"></span>ll no<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>mar<span class=\"_ _6\"></span>ket se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vic<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons are s<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ed. N<span class=\"_ _6\"></span>o ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s are m<span class=\"_ _6\"></span>ade to t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs780\">reco<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d exp<span class=\"_ _6\"></span>ense a<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r the g<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>te for ch<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>es in t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of ac<span class=\"_ _6\"></span>hiev<span class=\"_ _6\"></span>ing t<span class=\"_ _6\"></span>he Re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve TSR ta<span class=\"_ _6\"></span>rget<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff5b fs3 fc1 sc0 ls2d ws35 gs781\">2. <span class=\"_ _b\"></span>Non-market<span class=\"_ _0\"></span>-based<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>ondition <span class=\"_ _b\"></span>(profit <span class=\"_ _0\"></span>bef<span class=\"_ _0\"></span>ore<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>tax<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>-<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>40<span class=\"_ _0\"></span>%<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>weigh<span class=\"_ _0\"></span>ting)<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs782\">The f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f award<span class=\"_ _6\"></span>s sub<span class=\"_ _6\"></span>jec<span class=\"_ _6\"></span>t to t<span class=\"_ _6\"></span>he PBT con<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on is b<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d on t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any<span class=\"_ _6\"></span>\u2019s sha<span class=\"_ _6\"></span>re pr<span class=\"_ _6\"></span>ice a<span class=\"_ _6\"></span>t the g<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>nt da<span class=\"_ _6\"></span>te. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs783\">Sin<span class=\"_ _6\"></span>ce t<span class=\"_ _6\"></span>his is a n<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-ma<span class=\"_ _6\"></span>rket c<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n, i<span class=\"_ _6\"></span>t doe<span class=\"_ _6\"></span>s no<span class=\"_ _6\"></span>t imp<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e fai<span class=\"_ _6\"></span>r valu<span class=\"_ _6\"></span>e of t<span class=\"_ _6\"></span>he eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>rum<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t it<span class=\"_ _6\"></span>sel<span class=\"_ _6\"></span>f.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs784\">Ins<span class=\"_ _6\"></span>tea<span class=\"_ _6\"></span>d, th<span class=\"_ _6\"></span>e num<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r of award<span class=\"_ _6\"></span>s expe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to ves<span class=\"_ _6\"></span>t is est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d at th<span class=\"_ _6\"></span>e gra<span class=\"_ _6\"></span>nt da<span class=\"_ _6\"></span>te and i<span class=\"_ _6\"></span>s revise<span class=\"_ _6\"></span>d at ea<span class=\"_ _6\"></span>ch sub<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>que<span class=\"_ _6\"></span>nt rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>tin<span class=\"_ _6\"></span>g date. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs785\">Ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ial<span class=\"_ _6\"></span>ly<span class=\"_ _0\"></span>, man<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt as<span class=\"_ _6\"></span>sum<span class=\"_ _6\"></span>es a 50% p<span class=\"_ _6\"></span>rob<span class=\"_ _6\"></span>abi<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of ves<span class=\"_ _6\"></span>tin<span class=\"_ _6\"></span>g for t<span class=\"_ _6\"></span>he PBT<span class=\"_ _0\"></span>-weig<span class=\"_ _6\"></span>hte<span class=\"_ _6\"></span>d award<span class=\"_ _6\"></span>s. Thi<span class=\"_ _6\"></span>s est<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate is t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>n reviewe<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs786\">up<span class=\"_ _6\"></span>dat<span class=\"_ _6\"></span>ed to ref<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any\u2019s cu<span class=\"_ _6\"></span>rre<span class=\"_ _6\"></span>nt ass<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he pro<span class=\"_ _6\"></span>bab<span class=\"_ _6\"></span>il<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y of a<span class=\"_ _6\"></span>chi<span class=\"_ _6\"></span>evin<span class=\"_ _6\"></span>g the PBT t<span class=\"_ _6\"></span>arg<span class=\"_ _6\"></span>ets<span class=\"_ _6\"></span>, bas<span class=\"_ _6\"></span>ed on t<span class=\"_ _6\"></span>he l<span class=\"_ _6\"></span>ates<span class=\"_ _6\"></span>t int<span class=\"_ _6\"></span>ern<span class=\"_ _6\"></span>al </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls5d ws84 gs787\">fore<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>ts of P<span class=\"_ _6\"></span>BT and ma<span class=\"_ _6\"></span>nag<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>\u2019s ju<span class=\"_ _6\"></span>dg<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt re<span class=\"_ _6\"></span>gard<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g fu<span class=\"_ _6\"></span>ture f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial p<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce. A<span class=\"_ _6\"></span>djus<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts to t<span class=\"_ _6\"></span>he cum<span class=\"_ _6\"></span>ul<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>ve expe<span class=\"_ _6\"></span>nse </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs788\">are re<span class=\"_ _6\"></span>cog<span class=\"_ _6\"></span>nise<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he s<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tem<span class=\"_ _6\"></span>ent of <span class=\"_ _6\"></span>comp<span class=\"_ _6\"></span>reh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive inc<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>e in th<span class=\"_ _6\"></span>e pe<span class=\"_ _6\"></span>rio<span class=\"_ _6\"></span>d of t<span class=\"_ _6\"></span>he revi<span class=\"_ _6\"></span>sio<span class=\"_ _6\"></span>n.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws5 gs789\">Fr<span class=\"_ _0\"></span>ee share<span class=\"_ _0\"></span>s and<span class=\"_ _0\"></span> matching<span class=\"_ _0\"></span> shares<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls69 ws16 gs78a\">The C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pany h<span class=\"_ _6\"></span>as use<span class=\"_ _6\"></span>d i<span class=\"_ _6\"></span>ts sh<span class=\"_ _6\"></span>are pr<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e at gr<span class=\"_ _6\"></span>ant d<span class=\"_ _6\"></span>ate as t<span class=\"_ _6\"></span>he f<span class=\"_ _6\"></span>air va<span class=\"_ _6\"></span>lu<span class=\"_ _6\"></span>e of fre<span class=\"_ _6\"></span>e sha<span class=\"_ _6\"></span>res an<span class=\"_ _6\"></span>d matc<span class=\"_ _6\"></span>hin<span class=\"_ _6\"></span>g sha<span class=\"_ _6\"></span>res gr<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>ed du<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ng th<span class=\"_ _6\"></span>e year t<span class=\"_ _6\"></span>o </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls69 wsb9 gs78b\">em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee<span class=\"_ _6\"></span>s. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-412": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls3 ws3 gs78d\">22. N<span class=\"_ _6\"></span>ote<span class=\"_ _6\"></span>s to th<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt of c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h flow<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs78e\">Cash outflow fr<span class=\"_ _0\"></span>om operating activities<span class=\"_ _2f2\"> </span></div><div class=\"gs78f\"><table class=\"s w22d he4\" id=\"_8914d496-9d60-4494-b223-4e77f9b0957f\"><tr><td></td><td class=\"t m0 x24c h28 y2b1b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2b1b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2b1c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2b1c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2b1d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2b1d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b1e ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it b<span class=\"_ _6\"></span>efore t<span class=\"_ _6\"></span>ax<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _115\"> </span><span class=\"ff53 fc3\"> <span class=\"_ _87\"> </span></span><span class=\"ff56\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2b1f w597 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Continuing operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa88 y2b1f w222 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">20.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa89 y2b1f w300 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b20 w598 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Discontinued operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y2b20 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4a6 y2b20 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">8.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b21 w599 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">T<span class=\"_ _b\"></span>otal operations<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa8a y2b21 w222 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">20.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa8b y2b21 w29a h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2b22 ff54 fs3 fc2 sc0 lsd6 ws75\">Adjustments f<span class=\"_ _0\"></span>or:<span class=\"_ _2b0\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2b23 w59a h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">De<span class=\"_ _6\"></span>pre<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of pro<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, pl<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>nd eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>pme<span class=\"_ _6\"></span>nt<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2de y2b23 w231 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa8c y2b23 w59b h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls79 ws80\">3.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b24 w59c h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f int<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>gib<span class=\"_ _6\"></span>le a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa8d y2b24 w59d h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y2b24 w83 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">9.<span class=\"_ _6\"></span>8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b25 w59e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Modif<span class=\"_ _6\"></span>ication gain<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa8e y2b25 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa8f y2b25 w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b26 ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt of p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y, plan<span class=\"_ _6\"></span>t an<span class=\"_ _6\"></span>d equ<span class=\"_ _6\"></span>ip<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t, i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>ibl<span class=\"_ _6\"></span>e ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s, RO<span class=\"_ _6\"></span>U ass<span class=\"_ _6\"></span>ets a<span class=\"_ _6\"></span>nd i<span class=\"_ _6\"></span>nvest<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t </td><td class=\"c n xa90 y2b27 w237 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa91 y2b27 wa8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.9<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b28 ff55 fs3 fc2 sc0 ls3d ws47\">in sublease<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2b29 w59f h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Im<span class=\"_ _6\"></span>pai<span class=\"_ _6\"></span>rme<span class=\"_ _6\"></span>nt of i<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>ang<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>les (exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>tem)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c9 y2b29 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x519 y2b29 w1e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b2a w5a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">In<span class=\"_ _6\"></span>teres<span class=\"_ _6\"></span>t paya<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa92 y2b2a wb4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7f0 y2b2a w225 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.8<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b2b ff55 fs3 fc2 sc0 ls12 ws16\">No<span class=\"_ _6\"></span>n-<span class=\"_ _6\"></span>cas<span class=\"_ _6\"></span>h emp<span class=\"_ _6\"></span>loye<span class=\"_ _6\"></span>e ben<span class=\"_ _6\"></span>ef<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s exp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>e \u2013 sha<span class=\"_ _6\"></span>re-<span class=\"_ _6\"></span>bas<span class=\"_ _6\"></span>ed p<span class=\"_ _6\"></span>aymen<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iate<span class=\"_ _6\"></span>d <span class=\"ff56\"> </span></td><td class=\"c n xa93 y2b2c w5a1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2a ws39\">5.0<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa94 y2b2c w278 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">8<span class=\"_ _5\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b2d ff56 fs3 fc2 sc0 ls12 ws16\">so<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l secu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y cos<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2b2e w5a2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">F<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span> adjustments<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa95 y2b2e w28 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls69 wsb9\">6.7<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa96 y2b2e w219 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsb1 wsea\">(6<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b2f w5a3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Movem<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n lo<span class=\"_ _6\"></span>an rep<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase l<span class=\"_ _6\"></span>iab<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3c9 y2b2f w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa97 y2b2f w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b30 w5a4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Movem<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r provis<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa98 y2b30 w288 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls54 ws5c\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa99 y2b30 w1b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">1.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b31 w5a5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Sh<span class=\"_ _6\"></span>are of ga<span class=\"_ _6\"></span>ins of a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa9a y2b31 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa9b y2b31 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b32 w5a6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">ECL impairment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa9c y2b32 w5a7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">18.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa9d y2b32 wb5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">8.7<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b33 w5a8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Prof<span class=\"_ _6\"></span>it o<span class=\"_ _6\"></span>n sa<span class=\"_ _6\"></span>le of t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>S subs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>y (exce<span class=\"_ _6\"></span>pt<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al i<span class=\"_ _6\"></span>tem)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y2b33 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa9e y2b33 w5a9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(9.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b34 w5aa h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>cycli<span class=\"_ _6\"></span>ng of fo<span class=\"_ _6\"></span>reig<span class=\"_ _6\"></span>n excha<span class=\"_ _6\"></span>nge re<span class=\"_ _6\"></span>ser<span class=\"_ _6\"></span>ve o<span class=\"_ _6\"></span>n sal<span class=\"_ _6\"></span>e of su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y (excep<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>l ite<span class=\"_ _6\"></span>m)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xa9f y2b34 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaa0 y2b34 w77 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(8.7<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b35 w3b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Other non-cash mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaa1 y2b35 w432 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">1.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x65b y2b35 w76 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.2)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 hd y2b36 ff54 fs3 fc2 sc0 ls9c ws36\">Changes in<span class=\"_ _0\"></span> w<span class=\"_ _0\"></span>orking capital<span class=\"_ _16b\"> </span><span class=\"ff53 fc3 ls12 ws16\"> <span class=\"_ _87\"> </span><span class=\"ff56 fc2\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x1be y2b37 w5ab h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Movem<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>ceiv<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaa2 y2b37 w15c h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(11<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaa3 y2b37 w223 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>3<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b38 w5ac h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Movem<span class=\"_ _6\"></span>ent i<span class=\"_ _6\"></span>n tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e and o<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er p<span class=\"_ _6\"></span>ayabl<span class=\"_ _6\"></span>es<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaa4 y2b38 w376 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls79 ws80\">2<span class=\"_ _6\"></span>.5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaa5 y2b38 w5ad h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">(<span class=\"_ _6\"></span>26.6)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27e3 w5ae h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">T<span class=\"_ _b\"></span>a<span class=\"_ _6\"></span>x rec<span class=\"_ _6\"></span>eive<span class=\"_ _6\"></span>d/(pai<span class=\"_ _6\"></span>d)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x673 y27e3 w37e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaa6 y27e3 w10e h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27e4 w5af h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls3d ws47\">Originations of lines<span class=\"_ _0\"></span> of<span class=\"_ _0\"></span> credit<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaa7 y27e4 w5b0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(7<span class=\"_ _6\"></span>7<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaa8 y27e4 w5b1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>0<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b39 w5b2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h rec<span class=\"_ _6\"></span>eip<span class=\"_ _6\"></span>ts f<span class=\"_ _6\"></span>rom li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaa9 y2b39 w5b3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">6<span class=\"_ _5\"></span>8<span class=\"_ _6\"></span>2<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaaa y2b39 w5b4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls67 ws99\">41<span class=\"_ _6\"></span>2.<span class=\"_ _6\"></span>3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y27e6 w1ce h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ne<span class=\"_ _6\"></span>t cas<span class=\"_ _6\"></span>h ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>low f<span class=\"_ _6\"></span>rom op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaab y27e6 w3f2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls81 wsad\">(33.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5e4 y27e6 w5b5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _7\"></span>6<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>4<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws5 gs790\">Cash and<span class=\"_ _0\"></span> cash<span class=\"_ _0\"></span> equivalents<span class=\"_ _2f2\"> </span></div><div class=\"gs791\"><table class=\"s w9d he5\" id=\"_e8271a5b-3cae-4b06-84ae-40a28dee0c23\"><tr><td></td><td class=\"t m0 x24c h28 y2b3a ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2b3a ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2b3b ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2b3b ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2b3c ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2b3c ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y280f wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71c y280f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">152<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71d y280f w3c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs792\">The c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h and c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ival<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce i<span class=\"_ _6\"></span>s mad<span class=\"_ _6\"></span>e up of c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd m<span class=\"_ _6\"></span>oney m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket fun<span class=\"_ _6\"></span>ds. T<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>se ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s is </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2e ws6c gs793\">ap<span class=\"_ _6\"></span>proxi<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>ly eq<span class=\"_ _6\"></span>ual to th<span class=\"_ _6\"></span>eir fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue. In<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>ded wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin c<span class=\"_ _6\"></span>ash an<span class=\"_ _6\"></span>d cash eq<span class=\"_ _6\"></span>uiv<span class=\"_ _6\"></span>ale<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s above is a <span class=\"_ _0\"></span>tot<span class=\"_ _6\"></span>al of \u00a351.<span class=\"_ _6\"></span>5 mill<span class=\"_ _6\"></span>ion (202<span class=\"_ _0\"></span>4: \u00a337<span class=\"_ _b\"></span>.<span class=\"_ _0\"></span>1 milli<span class=\"_ _6\"></span>on) </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs794\">in c<span class=\"_ _6\"></span>ash w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h is res<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ted in u<span class=\"_ _6\"></span>se. O<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>is, \u00a3<span class=\"_ _6\"></span>3.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a35.0 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion) of c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h is he<span class=\"_ _6\"></span>ld wh<span class=\"_ _6\"></span>ich is re<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d in us<span class=\"_ _6\"></span>e to rep<span class=\"_ _6\"></span>ayin<span class=\"_ _6\"></span>g </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs795\">inves<span class=\"_ _6\"></span>tors i<span class=\"_ _6\"></span>n CB<span class=\"_ _6\"></span>ILS an<span class=\"_ _6\"></span>d RLS l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns and p<span class=\"_ _6\"></span>ayin<span class=\"_ _6\"></span>g CB<span class=\"_ _6\"></span>ILS an<span class=\"_ _6\"></span>d RLS<span class=\"_ _6\"></span>-rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>ts to t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K gover<span class=\"_ _6\"></span>nme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>. A fu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>her \u00a3<span class=\"_ _6\"></span>47<span class=\"_ _a\"></span>.8 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs796\">(202<span class=\"_ _0\"></span>4: \u00a332.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on) of ca<span class=\"_ _6\"></span>sh is h<span class=\"_ _6\"></span>eld w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h is res<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>r use i<span class=\"_ _6\"></span>n the Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay wa<span class=\"_ _6\"></span>reho<span class=\"_ _6\"></span>use.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs797\">At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, mo<span class=\"_ _6\"></span>ney ma<span class=\"_ _6\"></span>rket f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ds tot<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d \u00a38<span class=\"_ _6\"></span>4.8 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>36.<span class=\"_ _6\"></span>3 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div>Analysis o<span class=\"_ _0\"></span>f changes<span class=\"_ _0\"></span> in liabilities from<span class=\"_ _0\"></span> financing activities<span class=\"_ _2f2\"> </span><table class=\"s w4e3 he6\" id=\"_f6b2e0da-11cd-4930-8397-39c9d45177e6\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xaac h28 y2b3d ff56 fs19 fc2 sc0 lsc9 wsed\">Derecognition<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1ac h28 y2b3e ff55 fs19 fc2 sc0 lsc9 wsed\">of liabilities<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x548 h28 y2b3f ff56 fs19 fc2 sc0 ls95 wsdf\">rela<span class=\"_ _6\"></span>ted to<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x873 h28 y2b40 ff55 fs19 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x5b3 h28 y2b40 ff56 fs19 fc2 sc0 ls108 ws12f\">Exc<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xaad h28 y2b40 ff55 fs19 fc2 sc0 lsca wsee\">Other non-cash<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xaae h28 y2b40 ff56 fs19 fc2 sc0 lsc9 wsed\">discontinued<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b40 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xaaf h28 y2b41 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a2 h28 y2b41 ff55 fs19 fc2 sc0 ls12 ws16\">Ca<span class=\"_ _6\"></span>sh f<span class=\"_ _6\"></span>low<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37a h28 y2b41 ff56 fs19 fc2 sc0 lsca wsee\">mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89c h28 y2b41 ff56 fs19 fc2 sc0 lsca wsee\">mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a5 h28 y2b41 ff56 fs19 fc2 sc0 lsc9 wsed\">operations<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b41 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xab0 h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b8 h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b9 h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2860 w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab1 y2860 w5b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(56.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab2 y2860 w2bf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(46<span class=\"_ _6\"></span>.6<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab3 y2860 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab4 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab5 y2860 w5b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">1<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab6 y2860 w396 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab7 y2861 w5b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(12.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab8 y2861 w5b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">3.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab9 y2861 w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaba y2861 w219 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(5.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xabb y2861 w5ba h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xabc y2861 w5bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5bc h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd4 wsf8\">Liabilities from<span class=\"_ _0\"></span> financing activities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xabd y2810 w5bd h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls2d ws35\">(69.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xabe y2810 w5be h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls48 ws52\">(4<span class=\"_ _6\"></span>3.<span class=\"_ _6\"></span>0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xabf y2810 w1b4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xac0 y2810 w3a h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls5d ws84\">(5.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xac1 y2810 w5bf h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xac2 y2810 w5c0 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>9.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w5c1 he6\" id=\"_fa9f7c24-47d7-400d-b274-9f044a0dbe2a\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xac3 h28 y2b43 ff53 fs19 fc3 sc0 lsca wsee\">Derecognition<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x7bd h28 y2b44 ff53 fs19 fc3 sc0 lsc8 wsec\">of liabilities<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1b1 h28 y2b45 ff53 fs19 fc3 sc0 ls12 ws16\">re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>o<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x378 h28 y2b46 ff53 fs19 fc3 sc0 lsc8 wsec\">1 January<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x2ad h28 y2b46 ff53 fs19 fc3 sc0 lsc8 wsec\">Exchange<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac4 h28 y2b46 ff53 fs19 fc3 sc0 lscb wsef\">Other non-cash<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x49f h28 y2b46 ff53 fs19 fc3 sc0 lsdb ws103\">discontinued<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d5 h28 y2b46 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f7 h28 y2b47 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac5 h28 y2b47 ff53 fs19 fc3 sc0 lsc8 wsec\">Cash flo<span class=\"_ _0\"></span>w<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac6 h28 y2b47 ff53 fs19 fc3 sc0 lsd2 wsf6\">move<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac7 h28 y2b47 ff53 fs19 fc3 sc0 lsd2 wsf6\">move<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ac h28 y2b47 ff53 fs19 fc3 sc0 lsca wsee\">operations<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b47 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xab0 h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b8 h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b9 h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4a0 h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29f3 w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xac8 y29f3 w5c2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xac9 y29f3 w5c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(1<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>5.<span class=\"_ _6\"></span>4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaca y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xacb y29f3 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xacc y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xacd y29f3 w395 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xace y2861 w5c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xacf y2861 w5c5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad0 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad1 y2861 w148 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad2 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad3 y2861 w5c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5bc h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd4 wsf8\">Liabilities from<span class=\"_ _0\"></span> financing activities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad4 y2810 w5c7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls77 ws7c\">(1<span class=\"_ _6\"></span>09.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad5 y2810 w5c8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls75 wsb4\">(1<span class=\"_ _6\"></span>63<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad6 y2810 w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad7 y2810 w148 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls2b ws66\">(0.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad8 y2810 w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad9 y2810 w5c9 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls2b ws66\">(2<span class=\"_ _6\"></span>73.6)</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-469": {
   "value": "Cash and<span class=\"_ _0\"></span> cash<span class=\"_ _0\"></span> equivalents<span class=\"_ _2f2\"> </span><table class=\"s w9d he5\" id=\"_e8271a5b-3cae-4b06-84ae-40a28dee0c23\"><tr><td></td><td class=\"t m0 x24c h28 y2b3a ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2b3a ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2b3b ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2b3b ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2b3c ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2b3c ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y280f wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71c y280f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">152<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71d y280f w3c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr></table>The c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h and c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ival<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce i<span class=\"_ _6\"></span>s mad<span class=\"_ _6\"></span>e up of c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd m<span class=\"_ _6\"></span>oney m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket fun<span class=\"_ _6\"></span>ds. T<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>se ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s is ap<span class=\"_ _6\"></span>proxi<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>ly eq<span class=\"_ _6\"></span>ual to th<span class=\"_ _6\"></span>eir fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue. In<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>ded wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin c<span class=\"_ _6\"></span>ash an<span class=\"_ _6\"></span>d cash eq<span class=\"_ _6\"></span>uiv<span class=\"_ _6\"></span>ale<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s above is a <span class=\"_ _0\"></span>tot<span class=\"_ _6\"></span>al of \u00a351.<span class=\"_ _6\"></span>5 mill<span class=\"_ _6\"></span>ion (202<span class=\"_ _0\"></span>4: \u00a337<span class=\"_ _b\"></span>.<span class=\"_ _0\"></span>1 milli<span class=\"_ _6\"></span>on) in c<span class=\"_ _6\"></span>ash w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h is res<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ted in u<span class=\"_ _6\"></span>se. O<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>is, \u00a3<span class=\"_ _6\"></span>3.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a35.0 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion) of c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h is he<span class=\"_ _6\"></span>ld wh<span class=\"_ _6\"></span>ich is re<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d in us<span class=\"_ _6\"></span>e to rep<span class=\"_ _6\"></span>ayin<span class=\"_ _6\"></span>g inves<span class=\"_ _6\"></span>tors i<span class=\"_ _6\"></span>n CB<span class=\"_ _6\"></span>ILS an<span class=\"_ _6\"></span>d RLS l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns and p<span class=\"_ _6\"></span>ayin<span class=\"_ _6\"></span>g CB<span class=\"_ _6\"></span>ILS an<span class=\"_ _6\"></span>d RLS<span class=\"_ _6\"></span>-rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>ts to t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K gover<span class=\"_ _6\"></span>nme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>. A fu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>her \u00a3<span class=\"_ _6\"></span>47<span class=\"_ _a\"></span>.8 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (202<span class=\"_ _0\"></span>4: \u00a332.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on) of ca<span class=\"_ _6\"></span>sh is h<span class=\"_ _6\"></span>eld w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h is res<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>r use i<span class=\"_ _6\"></span>n the Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay wa<span class=\"_ _6\"></span>reho<span class=\"_ _6\"></span>use.<span class=\"_ _2f2\"> </span>At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, mo<span class=\"_ _6\"></span>ney ma<span class=\"_ _6\"></span>rket f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ds tot<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d \u00a38<span class=\"_ _6\"></span>4.8 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>36.<span class=\"_ _6\"></span>3 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRestrictedCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-451": {
   "value": "Cash and<span class=\"_ _0\"></span> cash<span class=\"_ _0\"></span> equivalents<span class=\"_ _2f2\"> </span><table class=\"s w9d he5\" id=\"_e8271a5b-3cae-4b06-84ae-40a28dee0c23\"><tr><td></td><td class=\"t m0 x24c h28 y2b3a ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2b3a ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2b3b ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2b3b ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x251 h28 y2b3c ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2b3c ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y280f wc1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Cas<span class=\"_ _6\"></span>h an<span class=\"_ _6\"></span>d cas<span class=\"_ _6\"></span>h eq<span class=\"_ _6\"></span>uiva<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>nts<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71c y280f w39f h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2f ws37\">152<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x71d y280f w3c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">1<span class=\"_ _5\"></span>8<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr></table>The c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h and c<span class=\"_ _6\"></span>ash e<span class=\"_ _6\"></span>qu<span class=\"_ _6\"></span>ival<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce i<span class=\"_ _6\"></span>s mad<span class=\"_ _6\"></span>e up of c<span class=\"_ _6\"></span>ash a<span class=\"_ _6\"></span>nd m<span class=\"_ _6\"></span>oney m<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ket fun<span class=\"_ _6\"></span>ds. T<span class=\"_ _6\"></span>he c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mou<span class=\"_ _6\"></span>nt of t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>se ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s is ap<span class=\"_ _6\"></span>proxi<span class=\"_ _6\"></span>mate<span class=\"_ _6\"></span>ly eq<span class=\"_ _6\"></span>ual to th<span class=\"_ _6\"></span>eir fa<span class=\"_ _6\"></span>ir val<span class=\"_ _6\"></span>ue. In<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>ded wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin c<span class=\"_ _6\"></span>ash an<span class=\"_ _6\"></span>d cash eq<span class=\"_ _6\"></span>uiv<span class=\"_ _6\"></span>ale<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s above is a <span class=\"_ _0\"></span>tot<span class=\"_ _6\"></span>al of \u00a351.<span class=\"_ _6\"></span>5 mill<span class=\"_ _6\"></span>ion (202<span class=\"_ _0\"></span>4: \u00a337<span class=\"_ _b\"></span>.<span class=\"_ _0\"></span>1 milli<span class=\"_ _6\"></span>on) in c<span class=\"_ _6\"></span>ash w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h is res<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ted in u<span class=\"_ _6\"></span>se. O<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>is, \u00a3<span class=\"_ _6\"></span>3.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a35.0 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion) of c<span class=\"_ _6\"></span>as<span class=\"_ _6\"></span>h is he<span class=\"_ _6\"></span>ld wh<span class=\"_ _6\"></span>ich is re<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d in us<span class=\"_ _6\"></span>e to rep<span class=\"_ _6\"></span>ayin<span class=\"_ _6\"></span>g inves<span class=\"_ _6\"></span>tors i<span class=\"_ _6\"></span>n CB<span class=\"_ _6\"></span>ILS an<span class=\"_ _6\"></span>d RLS l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns and p<span class=\"_ _6\"></span>ayin<span class=\"_ _6\"></span>g CB<span class=\"_ _6\"></span>ILS an<span class=\"_ _6\"></span>d RLS<span class=\"_ _6\"></span>-rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d cos<span class=\"_ _6\"></span>ts to t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K gover<span class=\"_ _6\"></span>nme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>. A fu<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>her \u00a3<span class=\"_ _6\"></span>47<span class=\"_ _a\"></span>.8 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (202<span class=\"_ _0\"></span>4: \u00a332.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on) of ca<span class=\"_ _6\"></span>sh is h<span class=\"_ _6\"></span>eld w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h is res<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ted fo<span class=\"_ _6\"></span>r use i<span class=\"_ _6\"></span>n the Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay wa<span class=\"_ _6\"></span>reho<span class=\"_ _6\"></span>use.<span class=\"_ _2f2\"> </span>At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, mo<span class=\"_ _6\"></span>ney ma<span class=\"_ _6\"></span>rket f<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ds tot<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d \u00a38<span class=\"_ _6\"></span>4.8 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: \u00a31<span class=\"_ _6\"></span>36.<span class=\"_ _6\"></span>3 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-452": {
   "value": "<div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs799\">Analysis o<span class=\"_ _0\"></span>f changes<span class=\"_ _0\"></span> in liabilities from<span class=\"_ _0\"></span> financing activities<span class=\"_ _2f2\"> </span></div><div class=\"gs518\"><table class=\"s w4e3 he6\" id=\"_f6b2e0da-11cd-4930-8397-39c9d45177e6\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xaac h28 y2b3d ff56 fs19 fc2 sc0 lsc9 wsed\">Derecognition<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1ac h28 y2b3e ff55 fs19 fc2 sc0 lsc9 wsed\">of liabilities<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x548 h28 y2b3f ff56 fs19 fc2 sc0 ls95 wsdf\">rela<span class=\"_ _6\"></span>ted to<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x873 h28 y2b40 ff55 fs19 fc2 sc0 ls12 ws16\">1 Ja<span class=\"_ _6\"></span>nu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x5b3 h28 y2b40 ff56 fs19 fc2 sc0 ls108 ws12f\">Exc<span class=\"_ _6\"></span>han<span class=\"_ _6\"></span>ge<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xaad h28 y2b40 ff55 fs19 fc2 sc0 lsca wsee\">Other non-cash<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xaae h28 y2b40 ff56 fs19 fc2 sc0 lsc9 wsed\">discontinued<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b40 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xaaf h28 y2b41 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a2 h28 y2b41 ff55 fs19 fc2 sc0 ls12 ws16\">Ca<span class=\"_ _6\"></span>sh f<span class=\"_ _6\"></span>low<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x37a h28 y2b41 ff56 fs19 fc2 sc0 lsca wsee\">mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x89c h28 y2b41 ff56 fs19 fc2 sc0 lsca wsee\">mov<span class=\"_ _0\"></span>ements<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x2a5 h28 y2b41 ff56 fs19 fc2 sc0 lsc9 wsed\">operations<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b41 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xab0 h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b8 h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b9 h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ae h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b42 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2860 w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab1 y2860 w5b6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(56.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab2 y2860 w2bf h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls48 ws52\">(46<span class=\"_ _6\"></span>.6<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab3 y2860 w106 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab4 y2860 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab5 y2860 w5b7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">1<span class=\"_ _6\"></span>.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab6 y2860 w396 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">(1<span class=\"_ _6\"></span>01<span class=\"_ _6\"></span>.9)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab7 y2861 w5b8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">(12.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab8 y2861 w5b9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">3.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xab9 y2861 w52 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(<span class=\"_ _6\"></span>0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaba y2861 w219 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">(5.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xabb y2861 w5ba h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>5<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xabc y2861 w5bb h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse1 ws109\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5bc h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd4 wsf8\">Liabilities from<span class=\"_ _0\"></span> financing activities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xabd y2810 w5bd h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls2d ws35\">(69.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xabe y2810 w5be h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls48 ws52\">(4<span class=\"_ _6\"></span>3.<span class=\"_ _6\"></span>0)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xabf y2810 w1b4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls69 wsb9\">(0.3)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xac0 y2810 w3a h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls5d ws84\">(5.<span class=\"_ _6\"></span>8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xac1 y2810 w5bf h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 lse4 ws10b\">9<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xac2 y2810 w5c0 h99\"><div class=\"t m0 x1b5 hd y27b6 ff55 fs3 fc2 sc0 ls7 ws8\">(10<span class=\"_ _6\"></span>9.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"gs79a\"><table class=\"s w5c1 he6\" id=\"_fa9f7c24-47d7-400d-b274-9f044a0dbe2a\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 xac3 h28 y2b43 ff53 fs19 fc3 sc0 lsca wsee\">Derecognition<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x7bd h28 y2b44 ff53 fs19 fc3 sc0 lsc8 wsec\">of liabilities<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1b1 h28 y2b45 ff53 fs19 fc3 sc0 ls12 ws16\">re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>o<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x378 h28 y2b46 ff53 fs19 fc3 sc0 lsc8 wsec\">1 January<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 x2ad h28 y2b46 ff53 fs19 fc3 sc0 lsc8 wsec\">Exchange<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac4 h28 y2b46 ff53 fs19 fc3 sc0 lscb wsef\">Other non-cash<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x49f h28 y2b46 ff53 fs19 fc3 sc0 lsdb ws103\">discontinued<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x6d5 h28 y2b46 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x8f7 h28 y2b47 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac5 h28 y2b47 ff53 fs19 fc3 sc0 lsc8 wsec\">Cash flo<span class=\"_ _0\"></span>w<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac6 h28 y2b47 ff53 fs19 fc3 sc0 lsd2 wsf6\">move<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac7 h28 y2b47 ff53 fs19 fc3 sc0 lsd2 wsf6\">move<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ac h28 y2b47 ff53 fs19 fc3 sc0 lsca wsee\">operations<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b47 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xab0 h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b8 h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x5b9 h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1ad h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4a0 h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b48 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y29f3 w1ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xac8 y29f3 w5c2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>1.<span class=\"_ _6\"></span>9)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xac9 y29f3 w5c3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(1<span class=\"_ _6\"></span>6<span class=\"_ _6\"></span>5.<span class=\"_ _6\"></span>4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaca y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xacb y29f3 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xacc y29f3 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xacd y29f3 w395 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls24 ws2c\">(267<span class=\"_ _b\"></span>.<span class=\"_ _6\"></span>3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2861 wd6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Lea<span class=\"_ _0\"></span>se liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xace y2861 w5c4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 lse5 ws10c\">(<span class=\"_ _5\"></span>7.<span class=\"_ _5\"></span>6<span class=\"_ _5\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xacf y2861 w5c5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">1<span class=\"_ _6\"></span>.9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad0 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad1 y2861 w148 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad2 y2861 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad3 y2861 w5c6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.3)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5bc h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsd4 wsf8\">Liabilities from<span class=\"_ _0\"></span> financing activities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad4 y2810 w5c7 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls77 ws7c\">(1<span class=\"_ _6\"></span>09.<span class=\"_ _6\"></span>5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad5 y2810 w5c8 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls75 wsb4\">(1<span class=\"_ _6\"></span>63<span class=\"_ _6\"></span>.5)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad6 y2810 w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad7 y2810 w148 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls2b ws66\">(0.6)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad8 y2810 w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xad9 y2810 w5c9 h99\"><div class=\"t m0 x1b5 hd y27b6 ff60 fs3 fc3 sc0 ls2b ws66\">(2<span class=\"_ _6\"></span>73.6)</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-413": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls2d ws59 gs7a4\">24.<span class=\"_ _0\"></span> Dividends per<span class=\"_ _0\"></span> share<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7a5\">No o<span class=\"_ _6\"></span>rdin<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ds were d<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>lare<span class=\"_ _6\"></span>d or p<span class=\"_ _6\"></span>aid i<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e cur<span class=\"_ _6\"></span>rent o<span class=\"_ _6\"></span>r previ<span class=\"_ _6\"></span>ous f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>cial ye<span class=\"_ _6\"></span>ars<span class=\"_ _6\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-414": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls3 ws3 gs7a7\">25. Re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7a8\">Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ions b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any an<span class=\"_ _6\"></span>d it<span class=\"_ _6\"></span>s su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es, wh<span class=\"_ _6\"></span>ich a<span class=\"_ _6\"></span>re rela<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s, have be<span class=\"_ _6\"></span>en e<span class=\"_ _6\"></span>lim<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ted o<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs7a9\">con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd are n<span class=\"_ _6\"></span>ot di<span class=\"_ _6\"></span>scl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>his n<span class=\"_ _6\"></span>ote. </div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2d ws5 gs7aa\">Compensation o<span class=\"_ _0\"></span>f k<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> management <span class=\"_ _0\"></span>personnel<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7ab\">Key man<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt pe<span class=\"_ _6\"></span>rso<span class=\"_ _6\"></span>nne<span class=\"_ _6\"></span>l are t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e per<span class=\"_ _6\"></span>son<span class=\"_ _6\"></span>s havi<span class=\"_ _6\"></span>ng au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd res<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r pl<span class=\"_ _6\"></span>ann<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>, dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g and c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7ac\">ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s key mana<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t pe<span class=\"_ _6\"></span>rso<span class=\"_ _6\"></span>nne<span class=\"_ _6\"></span>l com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ises t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>xec<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ive C<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tee (\u201c<span class=\"_ _6\"></span>Ex<span class=\"_ _6\"></span>Co\u201d<span class=\"_ _6\"></span>), whic<span class=\"_ _6\"></span>h is ma<span class=\"_ _6\"></span>de u<span class=\"_ _6\"></span>p </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7ad\">of t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve Dire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>tors a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r sen<span class=\"_ _6\"></span>ior m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t, a<span class=\"_ _6\"></span>s def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed in n<span class=\"_ _6\"></span>ote 5, a<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e chie<span class=\"_ _6\"></span>f op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng de<span class=\"_ _6\"></span>cis<span class=\"_ _6\"></span>ion m<span class=\"_ _6\"></span>aker (\u201c<span class=\"_ _6\"></span>CO<span class=\"_ _6\"></span>DM<span class=\"_ _6\"></span>\u201d) </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7ae\">an<span class=\"_ _6\"></span>d the N<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tors o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span></div><div class=\"gs7af\"><table class=\"s w5cb he7\" id=\"_b999ea5f-2c47-441b-825f-576ad5fb698c\"><tr><td></td><td class=\"t m0 x49f h28 y2b4c ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b4c ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b4d ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b4d ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2b4e ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b4e ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y285e w5cc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s and s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>t-ter<span class=\"_ _6\"></span>m be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xadd y285e w5cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">5.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d6 y285e w472 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2f ws37\">5.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w5ce h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Equ<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>bas<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xade y287f w5cf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">2<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xadf y287f w5d0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">1.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w5d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Post<span class=\"_ _0\"></span>-employment<span class=\"_ _0\"></span> benefits<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xae0 y28e0 w203 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xae1 y28e0 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x5b0 y280f wa4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x352 y280f w420 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">6.4<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7b0\">Fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls on D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs\u2019 rem<span class=\"_ _6\"></span>une<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n are d<span class=\"_ _6\"></span>iscl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he Re<span class=\"_ _6\"></span>mun<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on Re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rate G<span class=\"_ _6\"></span>overn<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce se<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7b1\">An<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>l Rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t and Acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n pa<span class=\"_ _6\"></span>ges 1<span class=\"_ _6\"></span>01 to 111<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs7b3\">T<span class=\"_ _b\"></span>ransactio<span class=\"_ _6\"></span>ns<span class=\"_ _0\"></span> with other <span class=\"_ _0\"></span>related parties<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4 ws2f gs7b4\">Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g the yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, the Grou<span class=\"_ _6\"></span>p rece<span class=\"_ _6\"></span>ived c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al rede<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns of \u00a30.6 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: <span class=\"_ _0\"></span>\u00a30.9 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) from ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es acco<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d for as asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7b5\">Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year, the G<span class=\"_ _6\"></span>roup re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>ved se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vic<span class=\"_ _6\"></span>e fees f<span class=\"_ _6\"></span>rom l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d by Thro<span class=\"_ _6\"></span>gmo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>n Lend<span class=\"_ _6\"></span>ing D<span class=\"_ _6\"></span>esi<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d Act<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any of \u00a3n<span class=\"_ _6\"></span>il </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7b6\">(202<span class=\"_ _0\"></span>4: \u00a30.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. This e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>s a subs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate, as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n not<span class=\"_ _6\"></span>e 29. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7b7\">Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year, F<span class=\"_ _0\"></span>un<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g Circ<span class=\"_ _6\"></span>le Ltd p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e rema<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ng lo<span class=\"_ _6\"></span>an p<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>foli<span class=\"_ _6\"></span>o from T<span class=\"_ _6\"></span>hrog<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ton Le<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng D<span class=\"_ _6\"></span>esi<span class=\"_ _6\"></span>gna<span class=\"_ _6\"></span>ted Ac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5c1\">Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny for \u00a33<span class=\"_ _6\"></span>.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th a<span class=\"_ _6\"></span>n eco<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>mic cu<span class=\"_ _6\"></span>t-o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f da<span class=\"_ _6\"></span>te of 31 M<span class=\"_ _6\"></span>arch 2025. Th<span class=\"_ _6\"></span>is was s<span class=\"_ _6\"></span>et<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d ne<span class=\"_ _6\"></span>t of col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns in Au<span class=\"_ _6\"></span>gus<span class=\"_ _6\"></span>t 2025 </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs5c2\">for \u00a3<span class=\"_ _6\"></span>1.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>is en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is a su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iat<span class=\"_ _6\"></span>e, as de<span class=\"_ _6\"></span>tai<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d in n<span class=\"_ _6\"></span>ote 29.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-453": {
   "value": "25. Re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y tr<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons<span class=\"_ _2f2\"> </span>Ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ces a<span class=\"_ _6\"></span>nd t<span class=\"_ _6\"></span>ran<span class=\"_ _6\"></span>sac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ions b<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>we<span class=\"_ _6\"></span>en t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any an<span class=\"_ _6\"></span>d it<span class=\"_ _6\"></span>s su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es, wh<span class=\"_ _6\"></span>ich a<span class=\"_ _6\"></span>re rela<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s, have be<span class=\"_ _6\"></span>en e<span class=\"_ _6\"></span>lim<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ted o<span class=\"_ _6\"></span>n con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on a<span class=\"_ _6\"></span>nd are n<span class=\"_ _6\"></span>ot di<span class=\"_ _6\"></span>scl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>his n<span class=\"_ _6\"></span>ote. Compensation o<span class=\"_ _0\"></span>f k<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> management <span class=\"_ _0\"></span>personnel<span class=\"_ _2f2\"> </span>Key man<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt pe<span class=\"_ _6\"></span>rso<span class=\"_ _6\"></span>nne<span class=\"_ _6\"></span>l are t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e per<span class=\"_ _6\"></span>son<span class=\"_ _6\"></span>s havi<span class=\"_ _6\"></span>ng au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd res<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r pl<span class=\"_ _6\"></span>ann<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>, dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g and c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s key mana<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t pe<span class=\"_ _6\"></span>rso<span class=\"_ _6\"></span>nne<span class=\"_ _6\"></span>l com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ises t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>xec<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ive C<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tee (\u201c<span class=\"_ _6\"></span>Ex<span class=\"_ _6\"></span>Co\u201d<span class=\"_ _6\"></span>), whic<span class=\"_ _6\"></span>h is ma<span class=\"_ _6\"></span>de u<span class=\"_ _6\"></span>p of t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve Dire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>tors a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r sen<span class=\"_ _6\"></span>ior m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t, a<span class=\"_ _6\"></span>s def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed in n<span class=\"_ _6\"></span>ote 5, a<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e chie<span class=\"_ _6\"></span>f op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng de<span class=\"_ _6\"></span>cis<span class=\"_ _6\"></span>ion m<span class=\"_ _6\"></span>aker (\u201c<span class=\"_ _6\"></span>CO<span class=\"_ _6\"></span>DM<span class=\"_ _6\"></span>\u201d) an<span class=\"_ _6\"></span>d the N<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tors o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span><table class=\"s w5cb he7\" id=\"_b999ea5f-2c47-441b-825f-576ad5fb698c\"><tr><td></td><td class=\"t m0 x49f h28 y2b4c ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b4c ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b4d ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b4d ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2b4e ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b4e ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y285e w5cc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s and s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>t-ter<span class=\"_ _6\"></span>m be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xadd y285e w5cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">5.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d6 y285e w472 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2f ws37\">5.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w5ce h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Equ<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>bas<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xade y287f w5cf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">2<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xadf y287f w5d0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">1.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w5d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Post<span class=\"_ _0\"></span>-employment<span class=\"_ _0\"></span> benefits<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xae0 y28e0 w203 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xae1 y28e0 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x5b0 y280f wa4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x352 y280f w420 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">6.4<span class=\"_ _2f2\"> </span></div></td></tr></table>Fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls on D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs\u2019 rem<span class=\"_ _6\"></span>une<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n are d<span class=\"_ _6\"></span>iscl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he Re<span class=\"_ _6\"></span>mun<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on Re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rate G<span class=\"_ _6\"></span>overn<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce se<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e An<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>l Rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t and Acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n pa<span class=\"_ _6\"></span>ges 1<span class=\"_ _6\"></span>01 to 111<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>T<span class=\"_ _b\"></span>ransactio<span class=\"_ _6\"></span>ns<span class=\"_ _0\"></span> with other <span class=\"_ _0\"></span>related parties<span class=\"_ _2f2\"> </span>Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g the yea<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, the Grou<span class=\"_ _6\"></span>p rece<span class=\"_ _6\"></span>ived c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al rede<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns of \u00a30.6 mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n (202<span class=\"_ _0\"></span>4: <span class=\"_ _0\"></span>\u00a30.9 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) from ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es acco<span class=\"_ _6\"></span>unte<span class=\"_ _6\"></span>d for as asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes.<span class=\"_ _2f2\"> </span>Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year, the G<span class=\"_ _6\"></span>roup re<span class=\"_ _6\"></span>cei<span class=\"_ _6\"></span>ved se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vic<span class=\"_ _6\"></span>e fees f<span class=\"_ _6\"></span>rom l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s hel<span class=\"_ _6\"></span>d by Thro<span class=\"_ _6\"></span>gmo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>n Lend<span class=\"_ _6\"></span>ing D<span class=\"_ _6\"></span>esi<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d Act<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y C<span class=\"_ _6\"></span>omp<span class=\"_ _6\"></span>any of \u00a3n<span class=\"_ _6\"></span>il (202<span class=\"_ _0\"></span>4: \u00a30.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. This e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y i<span class=\"_ _6\"></span>s a subs<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>iar<span class=\"_ _6\"></span>y o<span class=\"_ _6\"></span>f the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate, as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed i<span class=\"_ _6\"></span>n not<span class=\"_ _6\"></span>e 29. Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e year, F<span class=\"_ _0\"></span>un<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g Circ<span class=\"_ _6\"></span>le Ltd p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e rema<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ng lo<span class=\"_ _6\"></span>an p<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t<span class=\"_ _6\"></span>foli<span class=\"_ _6\"></span>o from T<span class=\"_ _6\"></span>hrog<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ton Le<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng D<span class=\"_ _6\"></span>esi<span class=\"_ _6\"></span>gna<span class=\"_ _6\"></span>ted Ac<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y Co<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ny for \u00a33<span class=\"_ _6\"></span>.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n wi<span class=\"_ _6\"></span>th a<span class=\"_ _6\"></span>n eco<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>mic cu<span class=\"_ _6\"></span>t-o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f da<span class=\"_ _6\"></span>te of 31 M<span class=\"_ _6\"></span>arch 2025. Th<span class=\"_ _6\"></span>is was s<span class=\"_ _6\"></span>et<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d ne<span class=\"_ _6\"></span>t of col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>ns in Au<span class=\"_ _6\"></span>gus<span class=\"_ _6\"></span>t 2025 for \u00a3<span class=\"_ _6\"></span>1.<span class=\"_ _0\"></span>1 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n. Th<span class=\"_ _6\"></span>is en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y is a su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up\u2019s as<span class=\"_ _6\"></span>soc<span class=\"_ _6\"></span>iat<span class=\"_ _6\"></span>e, as de<span class=\"_ _6\"></span>tai<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>d in n<span class=\"_ _6\"></span>ote 29.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTransactionsBetweenRelatedPartiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-470": {
   "value": "Compensation o<span class=\"_ _0\"></span>f k<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> management <span class=\"_ _0\"></span>personnel<span class=\"_ _2f2\"> </span>Key man<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nt pe<span class=\"_ _6\"></span>rso<span class=\"_ _6\"></span>nne<span class=\"_ _6\"></span>l are t<span class=\"_ _6\"></span>hos<span class=\"_ _6\"></span>e per<span class=\"_ _6\"></span>son<span class=\"_ _6\"></span>s havi<span class=\"_ _6\"></span>ng au<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd res<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y fo<span class=\"_ _6\"></span>r pl<span class=\"_ _6\"></span>ann<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>, dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g and c<span class=\"_ _6\"></span>ont<span class=\"_ _6\"></span>rol<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>g th<span class=\"_ _6\"></span>e ac<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Gro<span class=\"_ _6\"></span>up. The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s key mana<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t pe<span class=\"_ _6\"></span>rso<span class=\"_ _6\"></span>nne<span class=\"_ _6\"></span>l com<span class=\"_ _6\"></span>pr<span class=\"_ _6\"></span>ises t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>xec<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ive C<span class=\"_ _6\"></span>omm<span class=\"_ _6\"></span>it<span class=\"_ _5\"></span>tee (\u201c<span class=\"_ _6\"></span>Ex<span class=\"_ _6\"></span>Co\u201d<span class=\"_ _6\"></span>), whic<span class=\"_ _6\"></span>h is ma<span class=\"_ _6\"></span>de u<span class=\"_ _6\"></span>p of t<span class=\"_ _6\"></span>he E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve Dire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>tors a<span class=\"_ _6\"></span>nd ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r sen<span class=\"_ _6\"></span>ior m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>age<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t, a<span class=\"_ _6\"></span>s def<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ed in n<span class=\"_ _6\"></span>ote 5, a<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e chie<span class=\"_ _6\"></span>f op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng de<span class=\"_ _6\"></span>cis<span class=\"_ _6\"></span>ion m<span class=\"_ _6\"></span>aker (\u201c<span class=\"_ _6\"></span>CO<span class=\"_ _6\"></span>DM<span class=\"_ _6\"></span>\u201d) an<span class=\"_ _6\"></span>d the N<span class=\"_ _6\"></span>on<span class=\"_ _6\"></span>-E<span class=\"_ _6\"></span>xecu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ive Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tors o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span><table class=\"s w5cb he7\" id=\"_b999ea5f-2c47-441b-825f-576ad5fb698c\"><tr><td></td><td class=\"t m0 x49f h28 y2b4c ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b4c ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b4d ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b4d ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2b4e ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b4e ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y285e w5cc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Sa<span class=\"_ _6\"></span>lar<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s and s<span class=\"_ _6\"></span>hor<span class=\"_ _5\"></span>t-ter<span class=\"_ _6\"></span>m be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xadd y285e w5cd h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls5 ws43\">5.3<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d6 y285e w472 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2f ws37\">5.0<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y287f w5ce h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Equ<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y-<span class=\"_ _6\"></span>bas<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xade y287f w5cf h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls25 ws7d\">2<span class=\"_ _6\"></span>.4<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xadf y287f w5d0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">1.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28e0 w5d1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Post<span class=\"_ _0\"></span>-employment<span class=\"_ _0\"></span> benefits<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xae0 y28e0 w203 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls54 ws5c\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xae1 y28e0 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"c n x5b0 y280f wa4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>8<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x352 y280f w420 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">6.4<span class=\"_ _2f2\"> </span></div></td></tr></table>Fur<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r det<span class=\"_ _6\"></span>ai<span class=\"_ _6\"></span>ls on D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs\u2019 rem<span class=\"_ _6\"></span>une<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n are d<span class=\"_ _6\"></span>iscl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>he Re<span class=\"_ _6\"></span>mun<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on Re<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t in t<span class=\"_ _6\"></span>he C<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rate G<span class=\"_ _6\"></span>overn<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce se<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e An<span class=\"_ _6\"></span>nua<span class=\"_ _6\"></span>l Rep<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t and Acc<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts o<span class=\"_ _6\"></span>n pa<span class=\"_ _6\"></span>ges 1<span class=\"_ _6\"></span>01 to 111<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-415": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls7 ws7 gs706\">26.<span class=\"_ _0\"></span> Ultimate controlling<span class=\"_ _0\"></span> part<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs707\">In t<span class=\"_ _6\"></span>he op<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ion o<span class=\"_ _6\"></span>f the D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>rs, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup d<span class=\"_ _6\"></span>oes n<span class=\"_ _6\"></span>ot h<span class=\"_ _6\"></span>ave a sing<span class=\"_ _6\"></span>le u<span class=\"_ _6\"></span>lt<span class=\"_ _6\"></span>im<span class=\"_ _6\"></span>ate co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>roll<span class=\"_ _6\"></span>ing p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty<span class=\"_ _0\"></span>.</div>",
   "dimensions": {
    "concept": "fundingcircle:DisclosureOfUltimateControllingParty",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-416": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls7 ws7 gs7ba\">27<span class=\"_ _a\"></span>. Contingent liabilities and commitments<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7bb\">As p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ong<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>g bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h i<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs. At a<span class=\"_ _6\"></span>ny poi<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n tim<span class=\"_ _6\"></span>e, i<span class=\"_ _6\"></span>t is pos<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ble </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7bc\">th<span class=\"_ _6\"></span>at a p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>icu<span class=\"_ _6\"></span>lar i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>r may ex<span class=\"_ _6\"></span>pec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up to p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r lo<span class=\"_ _6\"></span>an in t<span class=\"_ _6\"></span>he even<span class=\"_ _6\"></span>t of a bre<span class=\"_ _6\"></span>ach o<span class=\"_ _6\"></span>f repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n or w<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>y, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7bd\">op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l er<span class=\"_ _6\"></span>rors o<span class=\"_ _6\"></span>r con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l iss<span class=\"_ _6\"></span>ues o<span class=\"_ _6\"></span>r whe<span class=\"_ _6\"></span>re agre<span class=\"_ _6\"></span>ed e<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y cr<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>a have no<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>en co<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th. W<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re a lo<span class=\"_ _6\"></span>an is p<span class=\"_ _6\"></span>urcha<span class=\"_ _6\"></span>sed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7be\">it i<span class=\"_ _6\"></span>s pres<span class=\"_ _6\"></span>ente<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st o<span class=\"_ _6\"></span>n the f<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f the c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et an<span class=\"_ _6\"></span>d he<span class=\"_ _6\"></span>ld at a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>ed </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7bf\">cos<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7c0\">In co<span class=\"_ _6\"></span>mm<span class=\"_ _6\"></span>on wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h oth<span class=\"_ _6\"></span>er b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>ses, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>s invol<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m ti<span class=\"_ _6\"></span>me to t<span class=\"_ _6\"></span>ime i<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>tes in t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>rdi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y co<span class=\"_ _6\"></span>urs<span class=\"_ _6\"></span>e of bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>. </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs7c1\">The<span class=\"_ _6\"></span>re are no a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive c<span class=\"_ _6\"></span>ases ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to have a m<span class=\"_ _6\"></span>ater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l adve<span class=\"_ _6\"></span>rse f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7c2\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts on i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, th<span class=\"_ _6\"></span>ere we<span class=\"_ _6\"></span>re </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7c3\">un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n com<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of \u00a34<span class=\"_ _6\"></span>46.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a3278.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. An exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t all<span class=\"_ _6\"></span>owa<span class=\"_ _6\"></span>nce is h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7c4\">ot<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>rovis<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s by the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p of \u00a32.5 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (2024: \u00a32.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) in rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p may be </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7c5\">exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to on t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e und<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-478": {
   "value": "27<span class=\"_ _a\"></span>. Contingent liabilities and commitments<span class=\"_ _2f2\"> </span>As p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ong<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>g bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h i<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs. At a<span class=\"_ _6\"></span>ny poi<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n tim<span class=\"_ _6\"></span>e, i<span class=\"_ _6\"></span>t is pos<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ble th<span class=\"_ _6\"></span>at a p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>icu<span class=\"_ _6\"></span>lar i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>r may ex<span class=\"_ _6\"></span>pec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up to p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r lo<span class=\"_ _6\"></span>an in t<span class=\"_ _6\"></span>he even<span class=\"_ _6\"></span>t of a bre<span class=\"_ _6\"></span>ach o<span class=\"_ _6\"></span>f repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n or w<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>y, op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l er<span class=\"_ _6\"></span>rors o<span class=\"_ _6\"></span>r con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l iss<span class=\"_ _6\"></span>ues o<span class=\"_ _6\"></span>r whe<span class=\"_ _6\"></span>re agre<span class=\"_ _6\"></span>ed e<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y cr<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>a have no<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>en co<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th. W<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re a lo<span class=\"_ _6\"></span>an is p<span class=\"_ _6\"></span>urcha<span class=\"_ _6\"></span>sed it i<span class=\"_ _6\"></span>s pres<span class=\"_ _6\"></span>ente<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st o<span class=\"_ _6\"></span>n the f<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f the c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et an<span class=\"_ _6\"></span>d he<span class=\"_ _6\"></span>ld at a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9. In co<span class=\"_ _6\"></span>mm<span class=\"_ _6\"></span>on wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h oth<span class=\"_ _6\"></span>er b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>ses, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>s invol<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m ti<span class=\"_ _6\"></span>me to t<span class=\"_ _6\"></span>ime i<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>tes in t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>rdi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y co<span class=\"_ _6\"></span>urs<span class=\"_ _6\"></span>e of bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>. The<span class=\"_ _6\"></span>re are no a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive c<span class=\"_ _6\"></span>ases ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to have a m<span class=\"_ _6\"></span>ater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l adve<span class=\"_ _6\"></span>rse f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts on i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, th<span class=\"_ _6\"></span>ere we<span class=\"_ _6\"></span>re un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n com<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of \u00a34<span class=\"_ _6\"></span>46.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a3278.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. An exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t all<span class=\"_ _6\"></span>owa<span class=\"_ _6\"></span>nce is h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n ot<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>rovis<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s by the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p of \u00a32.5 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (2024: \u00a32.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) in rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p may be exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to on t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e und<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-471": {
   "value": "27<span class=\"_ _a\"></span>. Contingent liabilities and commitments<span class=\"_ _2f2\"> </span>As p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e ong<span class=\"_ _6\"></span>oin<span class=\"_ _6\"></span>g bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup h<span class=\"_ _6\"></span>as op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al req<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nts w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h i<span class=\"_ _6\"></span>ts i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs. At a<span class=\"_ _6\"></span>ny poi<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n tim<span class=\"_ _6\"></span>e, i<span class=\"_ _6\"></span>t is pos<span class=\"_ _6\"></span>si<span class=\"_ _6\"></span>ble th<span class=\"_ _6\"></span>at a p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>icu<span class=\"_ _6\"></span>lar i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>r may ex<span class=\"_ _6\"></span>pec<span class=\"_ _6\"></span>t t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up to p<span class=\"_ _6\"></span>urch<span class=\"_ _6\"></span>ase t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r lo<span class=\"_ _6\"></span>an in t<span class=\"_ _6\"></span>he even<span class=\"_ _6\"></span>t of a bre<span class=\"_ _6\"></span>ach o<span class=\"_ _6\"></span>f repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n or w<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>ant<span class=\"_ _6\"></span>y, op<span class=\"_ _6\"></span>era<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l er<span class=\"_ _6\"></span>rors o<span class=\"_ _6\"></span>r con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>l iss<span class=\"_ _6\"></span>ues o<span class=\"_ _6\"></span>r whe<span class=\"_ _6\"></span>re agre<span class=\"_ _6\"></span>ed e<span class=\"_ _6\"></span>lig<span class=\"_ _6\"></span>ib<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y cr<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>eri<span class=\"_ _6\"></span>a have no<span class=\"_ _6\"></span>t be<span class=\"_ _6\"></span>en co<span class=\"_ _6\"></span>mpl<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th. W<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re a lo<span class=\"_ _6\"></span>an is p<span class=\"_ _6\"></span>urcha<span class=\"_ _6\"></span>sed it i<span class=\"_ _6\"></span>s pres<span class=\"_ _6\"></span>ente<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>hin S<span class=\"_ _6\"></span>ME lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d at am<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ed co<span class=\"_ _6\"></span>st o<span class=\"_ _6\"></span>n the f<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f the c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>oli<span class=\"_ _6\"></span>da<span class=\"_ _6\"></span>ted b<span class=\"_ _6\"></span>ala<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et an<span class=\"_ _6\"></span>d he<span class=\"_ _6\"></span>ld at a<span class=\"_ _6\"></span>mor<span class=\"_ _5\"></span>tis<span class=\"_ _6\"></span>ed cos<span class=\"_ _6\"></span>t un<span class=\"_ _6\"></span>der I<span class=\"_ _6\"></span>FRS 9. In co<span class=\"_ _6\"></span>mm<span class=\"_ _6\"></span>on wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h oth<span class=\"_ _6\"></span>er b<span class=\"_ _6\"></span>usi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>ses, t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup i<span class=\"_ _6\"></span>s invol<span class=\"_ _6\"></span>ved fro<span class=\"_ _6\"></span>m ti<span class=\"_ _6\"></span>me to t<span class=\"_ _6\"></span>ime i<span class=\"_ _6\"></span>n dis<span class=\"_ _6\"></span>pu<span class=\"_ _6\"></span>tes in t<span class=\"_ _6\"></span>he o<span class=\"_ _6\"></span>rdi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y co<span class=\"_ _6\"></span>urs<span class=\"_ _6\"></span>e of bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess<span class=\"_ _6\"></span>. The<span class=\"_ _6\"></span>re are no a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ive c<span class=\"_ _6\"></span>ases ex<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>cte<span class=\"_ _6\"></span>d to have a m<span class=\"_ _6\"></span>ater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l adve<span class=\"_ _6\"></span>rse f<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al im<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ct o<span class=\"_ _6\"></span>n th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p has co<span class=\"_ _6\"></span>mmi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>ts rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d to un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>ts on i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed Fl<span class=\"_ _6\"></span>exi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes of c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>. At 31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er 2025, th<span class=\"_ _6\"></span>ere we<span class=\"_ _6\"></span>re un<span class=\"_ _6\"></span>draw<span class=\"_ _6\"></span>n com<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s of \u00a34<span class=\"_ _6\"></span>46.7 mi<span class=\"_ _6\"></span>lli<span class=\"_ _6\"></span>on (2024: \u00a3278.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n)<span class=\"_ _0\"></span>. An exp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it l<span class=\"_ _6\"></span>oss i<span class=\"_ _6\"></span>mpa<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>men<span class=\"_ _6\"></span>t all<span class=\"_ _6\"></span>owa<span class=\"_ _6\"></span>nce is h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>thi<span class=\"_ _6\"></span>n ot<span class=\"_ _6\"></span>her p<span class=\"_ _6\"></span>rovis<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>s by the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p of \u00a32.5 m<span class=\"_ _6\"></span>ill<span class=\"_ _6\"></span>ion (2024: \u00a32.7 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n) in rel<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ima<span class=\"_ _6\"></span>ted c<span class=\"_ _6\"></span>redi<span class=\"_ _6\"></span>t lo<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>s th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p may be exp<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d to on t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e und<span class=\"_ _6\"></span>raw<span class=\"_ _6\"></span>n lin<span class=\"_ _6\"></span>es of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-417": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls69 ws2d gs7c7\">28.<span class=\"_ _0\"></span> Subsequent<span class=\"_ _0\"></span> e<span class=\"_ _0\"></span>vents<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls64 ws94 gs7c8\">Sa<span class=\"_ _6\"></span>le o<span class=\"_ _6\"></span>f sho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-ter<span class=\"_ _6\"></span>m loa<span class=\"_ _6\"></span>ns a<span class=\"_ _6\"></span>nd si<span class=\"_ _6\"></span>gn<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g of for<span class=\"_ _6\"></span>w<span class=\"_ _6\"></span>ard f<span class=\"_ _6\"></span>low a<span class=\"_ _6\"></span>gre<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7c9\">The s<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ter-ter<span class=\"_ _6\"></span>m lo<span class=\"_ _6\"></span>ans h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d by the G<span class=\"_ _6\"></span>roup w<span class=\"_ _6\"></span>ere he<span class=\"_ _6\"></span>ld at a f<span class=\"_ _6\"></span>air v<span class=\"_ _6\"></span>alu<span class=\"_ _6\"></span>e of \u00a3<span class=\"_ _6\"></span>120.<span class=\"_ _0\"></span>4 mil<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>on at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber 2025 (2024: \u00a3nil). </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs7ca\">Sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt to th<span class=\"_ _6\"></span>e bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>eet d<span class=\"_ _6\"></span>ate, in J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y 2026 an ag<span class=\"_ _6\"></span>reem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t was si<span class=\"_ _6\"></span>gne<span class=\"_ _6\"></span>d to sel<span class=\"_ _6\"></span>l th<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>ns to a th<span class=\"_ _6\"></span>ird pa<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, alo<span class=\"_ _6\"></span>ngs<span class=\"_ _6\"></span>ide<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs7cb\">th<span class=\"_ _6\"></span>e sig<span class=\"_ _6\"></span>nin<span class=\"_ _6\"></span>g of a for<span class=\"_ _6\"></span>wa<span class=\"_ _6\"></span>rd fl<span class=\"_ _6\"></span>ow agre<span class=\"_ _6\"></span>eme<span class=\"_ _6\"></span>nt for t<span class=\"_ _6\"></span>he g<span class=\"_ _6\"></span>o for<span class=\"_ _6\"></span>ward o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion of t<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>rodu<span class=\"_ _6\"></span>ct by t<span class=\"_ _6\"></span>he t<span class=\"_ _6\"></span>hird p<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y v<span class=\"_ _6\"></span>ia th<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm mo<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>l.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs7cc\">The l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns were so<span class=\"_ _6\"></span>ld wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h an eco<span class=\"_ _6\"></span>no<span class=\"_ _6\"></span>mic cu<span class=\"_ _6\"></span>t-<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>f da<span class=\"_ _6\"></span>te of 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mbe<span class=\"_ _6\"></span>r 2025, for an am<span class=\"_ _6\"></span>oun<span class=\"_ _6\"></span>t mate<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>all<span class=\"_ _6\"></span>y ali<span class=\"_ _6\"></span>gne<span class=\"_ _6\"></span>d wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>r fai<span class=\"_ _6\"></span>r val<span class=\"_ _6\"></span>ue </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7cd\">at t<span class=\"_ _6\"></span>he ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>hee<span class=\"_ _6\"></span>t da<span class=\"_ _6\"></span>te. The s<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>e of th<span class=\"_ _6\"></span>e lo<span class=\"_ _6\"></span>ans is n<span class=\"_ _6\"></span>ot co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red an a<span class=\"_ _6\"></span>dju<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g bal<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ce sh<span class=\"_ _6\"></span>eet eve<span class=\"_ _6\"></span>nt as t<span class=\"_ _6\"></span>he co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>rac<span class=\"_ _6\"></span>t was n<span class=\"_ _6\"></span>ot </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs7ce\">si<span class=\"_ _6\"></span>gne<span class=\"_ _6\"></span>d no<span class=\"_ _6\"></span>r cer<span class=\"_ _5\"></span>tai<span class=\"_ _6\"></span>n as of th<span class=\"_ _6\"></span>at d<span class=\"_ _6\"></span>ate. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-418": {
   "value": "<div class=\"t m0 h5 ff53 fs3 fc1 sc0 ls3 ws3 gs7d0\">29. In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>est<span class=\"_ _6\"></span>s in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls77 ws32 gs7d1\">Investments in subsidiaries<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7d2\">The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p had t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ies, a<span class=\"_ _6\"></span>ll of w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h have be<span class=\"_ _6\"></span>en in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts. Th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7d3\">pro<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tio<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>he vot<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g rig<span class=\"_ _6\"></span>ht<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y und<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>tak<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>gs he<span class=\"_ _6\"></span>ld di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y by the C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny does n<span class=\"_ _6\"></span>ot d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>fer fro<span class=\"_ _6\"></span>m the p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs7d4\">ordinary shares<span class=\"_ _0\"></span> held.<span class=\"_ _2f2\"> </span></div><div class=\"gs7d5\"><table class=\"s w5d2 he8\" id=\"_eb11f4fd-3b8e-4291-8cb5-f0cdfb01f18d\"><tr><td></td><td class=\"t m0 xae2 h28 y2b4f ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xae3 h28 y2b50 ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation</td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xae3 h28 y2b51 ff56 fs19 fc2 sc0 lscb wsef\"> and principal<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae4 h28 y2b51 ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae5 h28 y2b51 ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/</td><td></td></tr><tr><td></td><td class=\"t m0 xae6 h28 y2b52 ff56 fs19 fc2 sc0 ls12 ws16\"> pl<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>e of</td><td class=\"t m0 xae7 h28 y2b52 ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x416 h28 y2b52 ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x250 h28 y2b53 ff55 fs19 fc2 sc0 lsc9 wsed\">Subsidiary under<span class=\"_ _6\"></span>takings</td><td class=\"t m0 xae8 h28 y2b53 ff55 fs19 fc2 sc0 lsc9 wsed\"> business<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae9 h28 y2b53 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xaea y2b54 w5d3 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaeb y2b54 w5d4 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>red o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b55 w5d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ltd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaec y2b55 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaed y2b55 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaee y2b55 w5d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaef y2b55 w5d8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">7<span class=\"_ _6\"></span>1 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ia S<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>, Londo<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b56 w5d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e BB Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf0 y2b56 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf1 y2b56 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf2 y2b56 w5da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf3 y2b56 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b57 w5dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ecli<span class=\"_ _6\"></span>pse Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf4 y2b57 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf5 y2b57 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf6 y2b57 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf7 y2b57 w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b58 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Foc<span class=\"_ _6\"></span>al Po<span class=\"_ _6\"></span>int Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"c n x8bc y2b59 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf8 y2b59 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf9 y2b59 w5da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafa y2b59 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b5a ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2b5b w5df h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Gl<span class=\"_ _6\"></span>oba<span class=\"_ _6\"></span>l Par<span class=\"_ _5\"></span>tne<span class=\"_ _6\"></span>rs Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafb y2b5b w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafc y2b5b w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafd y2b5b w5e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafe y2b5b w5e1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">7<span class=\"_ _6\"></span>1 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ia S<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>et, Lon<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b5c w5e2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tee Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaff y2b5c w5e3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb00 y2b5c w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>00%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb01 y2b5c w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb02 y2b5c w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b5d w5e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>de T<span class=\"_ _0\"></span>o Do Mo<span class=\"_ _6\"></span>re Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb03 y2b5d w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb04 y2b5d w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>00%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb05 y2b5d w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb06 y2b5d w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2973 w5e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Pol<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>s Lend<span class=\"_ _6\"></span>ing L<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb07 y2973 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb08 y2973 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb09 y2973 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0a y2973 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b19 w5e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e CE G<span class=\"_ _6\"></span>mbH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0b y2b19 w5e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">Germany<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0c y2b19 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0d y2b19 w5d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0e y2b19 w5e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Rhe<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>a\u00dfe 11, 1<span class=\"_ _6\"></span>4513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>tow<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2975 w5ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e De<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>sch<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d Gm<span class=\"_ _6\"></span>bH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0f y2975 w5eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">German<span class=\"_ _0\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb10 y2975 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb11 y2975 w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb12 y2975 w5ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>\u00dfe 11, 14<span class=\"_ _6\"></span>513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>lto<span class=\"_ _6\"></span>w<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b8 w5ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>nne<span class=\"_ _6\"></span>ct G<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>H<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb13 y28b8 w5eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">German<span class=\"_ _0\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb14 y28b8 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb15 y28b8 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb16 y28b8 w5ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Rh<span class=\"_ _6\"></span>eins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ra\u00dfe 1<span class=\"_ _6\"></span>1, 14513 T<span class=\"_ _0\"></span>el<span class=\"_ _6\"></span>tow<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w5ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">FC<span class=\"_ _0\"></span> Forderungsma<span class=\"_ _0\"></span>nagement GmbH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb17 y28b9 w5e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">Germany<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb18 y28b9 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb19 y28b9 w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1a y28b9 w5ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>\u00dfe 11, 14<span class=\"_ _6\"></span>513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>lto<span class=\"_ _6\"></span>w<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ne<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd B.<span class=\"_ _0\"></span>V<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1b y280f w5f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Net<span class=\"_ _6\"></span>herlands<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1c y280f w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1d y280f w5f2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">In<span class=\"_ _6\"></span>directly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1e y280f w5f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ict<span class=\"_ _6\"></span>ori<span class=\"_ _6\"></span>a St<span class=\"_ _6\"></span>ree<span class=\"_ _6\"></span>t, Lon<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls77 ws32 gs7d7\">Investments in associates<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gs7d8\">Se<span class=\"_ _6\"></span>t out be<span class=\"_ _6\"></span>low are the ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>of th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>Gro<span class=\"_ _6\"></span>up as at 31 <span class=\"_ _0\"></span>De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>2025 <span class=\"_ _0\"></span>whi<span class=\"_ _6\"></span>ch, in th<span class=\"_ _6\"></span>e opin<span class=\"_ _6\"></span>ion of th<span class=\"_ _6\"></span>e Direc<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s, are mater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l to <span class=\"_ _0\"></span>the Gro<span class=\"_ _6\"></span>up.<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gs7d9\">The en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es lis<span class=\"_ _6\"></span>ted be<span class=\"_ _6\"></span>low have share c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al cons<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g sole<span class=\"_ _6\"></span>ly of ordi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares, wh<span class=\"_ _6\"></span>ich are hel<span class=\"_ _6\"></span>d dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e Group. The co<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 lsd5 wsfa gs7da\">in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n or <span class=\"_ _0\"></span>reg<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on is also th<span class=\"_ _6\"></span>eir pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al pla<span class=\"_ _6\"></span>ce of busi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s, and th<span class=\"_ _6\"></span>e prop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of <span class=\"_ _0\"></span>owne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t is <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e same as th<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls39 wsf8 gs7db\">proport<span class=\"_ _6\"></span>ion<span class=\"_ _0\"></span> of v<span class=\"_ _0\"></span>oting rights<span class=\"_ _0\"></span> held.<span class=\"_ _2f2\"> </span></div><div class=\"gs7dc\"><table class=\"s w5f4 he9\" id=\"_bff46650-dc62-4674-b4a0-eabd89a39197\"><tr><td></td><td></td><td class=\"t m0 xb1f h28 y2b5e ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb20 h28 y2b5e ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x89a h28 y2b5f ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td class=\"t m0 x2a7 h28 y2b5f ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7bf h28 y2b5f ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x1b9 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">Associate entity name<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x873 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7c4 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xb21 y2b61 w5d3 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb22 y2b61 w5f5 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>d of<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>e ad<span class=\"_ _6\"></span>dre<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Fund<span class=\"_ _6\"></span>ing Ci<span class=\"_ _6\"></span>rcle UK SM<span class=\"_ _6\"></span>E Direc<span class=\"_ _6\"></span>t Lendi<span class=\"_ _6\"></span>ng Fund<span class=\"_ _6\"></span>\u00b9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb23 y280f w5f7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">I<span class=\"_ _6\"></span>rela<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb24 y280f w5f8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">8%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb25 y280f w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb26 y280f w5f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">70, Sir J<span class=\"_ _6\"></span>oh<span class=\"_ _6\"></span>n Rog<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>on\u2019s Q<span class=\"_ _6\"></span>uay<span class=\"_ _0\"></span>, Dub<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>n 2, Irel<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs7dd\">1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>P<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>su<span class=\"_ _6\"></span>b-f<span class=\"_ _6\"></span>und<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>vi<span class=\"_ _6\"></span>a<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>Fun<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng<span class=\"_ gs546\"> </span>C<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>cl<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ICAV,<span class=\"_ gs546\"> </span>an<span class=\"_ gs546\"> </span>Ir<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve<span class=\"_ gs546\"> </span>as<span class=\"_ _6\"></span>set<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>veh<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ute<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>as<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>um<span class=\"_ _6\"></span>br<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>la<span class=\"_ gs546\"> </span>fu<span class=\"_ _6\"></span>nd<span class=\"_ gs546\"> </span>w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ad<span class=\"_ _6\"></span>dr<span class=\"_ _6\"></span>ess<span class=\"_ gs546\"> </span></div><div class=\"t m0 h9 ff61 fs7 fc2 sc0 ls12 ws16 gs7de\">of<span class=\"_ gs546\"> </span>70<span class=\"_ _6\"></span>,<span class=\"_ gs546\"> </span>Si<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>Joh<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>Ro<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>rs<span class=\"_ _6\"></span>on\u2019<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>Qu<span class=\"_ _6\"></span>ay,<span class=\"_ gs546\"> </span>Dub<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>2,<span class=\"_ gs546\"> </span>I<span class=\"_ _6\"></span>rel<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs7df\">The a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>bove dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow, whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls12 ws16 gs7e0\">rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d par<span class=\"_ _5\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span></div><div class=\"gs7e1\"><table class=\"s w5fa hea\" id=\"_d2a58f09-ec9a-44bd-9244-fe312c03b8fb\"><tr><td></td><td></td><td></td><td class=\"t m0 x6d7 h28 y2b62 ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac4 h28 y2b62 ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x376 h28 y2b63 ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td></td><td class=\"t m0 xb27 h28 y2b63 ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x29f h28 y2b63 ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x1b9 h28 y2b64 ff56 fs19 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty n<span class=\"_ _6\"></span>am<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"c n xb28 y2b65 w5fb h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb29 y2b65 w5fc h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Relationship</div></td><td class=\"t m0 xb20 h28 y2b64 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xb2a y2b65 w5d3 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2b y2b65 w5fd h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e ad<span class=\"_ _6\"></span>dres<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2b66 ff55 fs3 fc2 sc0 ls3d ws47\">Throgmorton Lending<span class=\"_ _0\"></span> Designated </td><td class=\"c n xb2c y2a31 w5fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">Ire<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2d y2a31 w5ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Subsidiary<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2e y2a31 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2f y2a31 w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb30 y2a31 w600 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">70, S<span class=\"_ _6\"></span>ir Jo<span class=\"_ _6\"></span>hn Ro<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>rso<span class=\"_ _6\"></span>n\u2019s Qu<span class=\"_ _6\"></span>ay<span class=\"_ _b\"></span>,<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2b67 ff56 fs3 fc2 sc0 lsdf ws107\">Activit<span class=\"_ _6\"></span>y Company<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 xb31 h5 y2b67 ff56 fs3 fc2 sc0 ls81 wsad\">of associate</td><td></td><td></td><td class=\"t m0 x1ae h5 y2b67 ff55 fs3 fc2 sc0 ls12 ws16\"> Du<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>n 2, Ire<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td></tr></table></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7e2\">The ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es below provi<span class=\"_ _6\"></span>de summ<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al infor<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>for tho<span class=\"_ _6\"></span>se asso<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>es that are mater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l <span class=\"_ _0\"></span>to the Grou<span class=\"_ _6\"></span>p. <span class=\"_ _0\"></span>The infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on discl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span> <span class=\"_ _0\"></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7e3\">ref<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts prese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>in the fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l <span class=\"_ _0\"></span>st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts of the releva<span class=\"_ _6\"></span>nt asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes and not Fundi<span class=\"_ _6\"></span>ng Circl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>Ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>pl<span class=\"_ _6\"></span>c\u2019s share of <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7e4\">amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts. They have <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>en amen<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>to refle<span class=\"_ _6\"></span>ct ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s made by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>wh<span class=\"_ _6\"></span>en usin<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>me<span class=\"_ _6\"></span>tho<span class=\"_ _6\"></span>d, inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ing mo<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns for </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7e5\">di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>in acco<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. <span class=\"_ _0\"></span>Whi<span class=\"_ _6\"></span>le the Grou<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>ho<span class=\"_ _6\"></span>lds les<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>an 20% <span class=\"_ _0\"></span>owner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>in Fundi<span class=\"_ _6\"></span>ng Circl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>UK SME Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>Lend<span class=\"_ _6\"></span>ing Fund I, the<span class=\"_ _6\"></span> <span class=\"_ _0\"></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7e6\">Gro<span class=\"_ _6\"></span>up consi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>rs that it has sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt infl<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nce over <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y throu<span class=\"_ _6\"></span>gh repres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>on it<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>Bo<span class=\"_ _6\"></span>ard and so <span class=\"_ _0\"></span>con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>to accou<span class=\"_ _6\"></span>nt for <span class=\"_ _0\"></span>i<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>as<span class=\"_ _6\"></span> <span class=\"_ _0\"></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7e7\">an asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>te inste<span class=\"_ _6\"></span>ad of <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>. The <span class=\"_ _0\"></span>ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates are sub<span class=\"_ _6\"></span>-fu<span class=\"_ _6\"></span>nds whi<span class=\"_ _6\"></span>ch invest in SME loan<span class=\"_ _6\"></span>s, and the Grou<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>is expos<span class=\"_ _6\"></span>ed to <span class=\"_ _0\"></span>def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span> <span class=\"_ _0\"></span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7e8\">an<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>prep<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt ris<span class=\"_ _6\"></span>k <span class=\"_ _0\"></span>wi<span class=\"_ _6\"></span>th resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>to the per<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce of the und<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>lyin<span class=\"_ _6\"></span>g loan<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>in the ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates, to the ex<span class=\"_ _6\"></span>tent th<span class=\"_ _6\"></span>at the sha<span class=\"_ _6\"></span>re <span class=\"_ _0\"></span>of profi<span class=\"_ _6\"></span>t from<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7e9\">ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates may dimi<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>h. The <span class=\"_ _0\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>low ill<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes the Grou<span class=\"_ _6\"></span>p\u2019s <span class=\"_ _0\"></span>ma<span class=\"_ _6\"></span>xim<span class=\"_ _6\"></span>um expos<span class=\"_ _6\"></span>ure to <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt in asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes which repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ts the<span class=\"_ _6\"></span> </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7ea\">val<span class=\"_ _6\"></span>ue on the Group ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce she<span class=\"_ _6\"></span>et. The val<span class=\"_ _6\"></span>ue of <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt is <span class=\"_ _0\"></span>de<span class=\"_ _6\"></span>rive<span class=\"_ _6\"></span>d from net asse<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>val<span class=\"_ _6\"></span>ue st<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s from the sub<span class=\"_ _6\"></span>-fu<span class=\"_ _6\"></span>nds; however, </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7eb\">be<span class=\"_ _6\"></span>ing pr<span class=\"_ _6\"></span>ivat<span class=\"_ _6\"></span>e, <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>ese are <span class=\"_ _0\"></span>no<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>fro<span class=\"_ _6\"></span>m <span class=\"_ _0\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>ble mar<span class=\"_ _6\"></span>ket dat<span class=\"_ _6\"></span>a, and the<span class=\"_ _6\"></span>refore the fai<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>val<span class=\"_ _6\"></span>ue is <span class=\"_ _0\"></span>con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>to <span class=\"_ _0\"></span>be ali<span class=\"_ _6\"></span>gne<span class=\"_ _6\"></span>d to <span class=\"_ _0\"></span>the ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng valu<span class=\"_ _6\"></span>e. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7ec\">Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g the year<span class=\"_ _0\"></span>, <span class=\"_ _0\"></span>Fund<span class=\"_ _6\"></span>ing Circ<span class=\"_ _6\"></span>le Ltd <span class=\"_ _0\"></span>pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>ed the rema<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ng loa<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>lio fro<span class=\"_ _6\"></span>m <span class=\"_ _0\"></span>Thro<span class=\"_ _6\"></span>gmo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>Lend<span class=\"_ _6\"></span>ing De<span class=\"_ _6\"></span>sig<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d Acti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y Comp<span class=\"_ _6\"></span>any for </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7ed\">\u00a33.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n wit<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>an eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic cut-<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>f date of 31 <span class=\"_ _0\"></span>Marc<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>2025. <span class=\"_ _0\"></span>This was set<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>ne<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>of coll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons in Augus<span class=\"_ _6\"></span>t 202<span class=\"_ _0\"></span>5 <span class=\"_ _0\"></span>for \u00a31.1 <span class=\"_ _0\"></span>mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls98 ws106 gs7ee\">Sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt to <span class=\"_ _0\"></span>the sa<span class=\"_ _6\"></span>le the ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>app<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>liq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>dato<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"gs7ef\"><table class=\"s w601 heb\" id=\"_fde77576-6529-4e94-95fc-19e27a24e76e\"><tr><td></td><td class=\"t m0 xb32 h28 y2b68 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b68 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b69 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b69 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b6a ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb33 h28 y2b6a ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x49f h28 y2b6b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b6b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b6c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b6c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2b6d ff55 fs19 fc2 sc0 ls12 ws16\">Su<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et (G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4a0 h28 y2b6d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b6d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b6e w602 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Non-current a<span class=\"_ _0\"></span>ssets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y2b6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y2b6e wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b6f w603 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62c y2b6f w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb34 y2b6f w2f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b70 w604 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Current<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb35 y2b70 w605 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb36 y2b70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b71 w606 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Non-current liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y2b71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ed y2b71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w607 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">Net assets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x398 y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb37 y2810 w234 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff5b fs3 fc2 sc0 ls2b ws66 gs7f0\">Reconciliatio<span class=\"_ _0\"></span>n <span class=\"_ _b\"></span>of <span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>ociate<span class=\"_ _0\"></span>s\u2019<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>otal <span class=\"_ _b\"></span>shareholders\u2019 <span class=\"_ _b\"></span>equit<span class=\"_ _6\"></span>y <span class=\"_ _b\"></span>to <span class=\"_ _b\"></span>carr<span class=\"_ _6\"></span>ying<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>amount<span class=\"_ _0\"></span> <span class=\"_ _b\"></span>in <span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>unding<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Circ<span class=\"_ _0\"></span>le <span class=\"_ _b\"></span>Holdings <span class=\"_ _0\"></span>plc\u2019<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>solidated </div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls2a ws33 gs7f1\">financial statements<span class=\"_ _2f2\"> </span></div><div class=\"gs7f2\"><table class=\"s w608 hec\" id=\"_df2c21ca-f7e9-488c-9621-e25cdb2b03cd\"><tr><td></td><td class=\"t m0 xb32 h28 y2b72 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b72 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b73 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b73 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b74 ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb33 h28 y2b74 ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x49f h28 y2b75 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b75 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b76 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b76 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2b77 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b78 w609 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Op<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>ng n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s as at 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb38 y2b78 w60a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d1 y2b78 w31e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1<span class=\"_ _6\"></span>8.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b79 w60b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb39 y2b79 w407 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y2b79 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7a w60c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Capit<span class=\"_ _6\"></span>al r<span class=\"_ _0\"></span>edemptions in the y<span class=\"_ _0\"></span>ear<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3a y2b7a w38f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76d y2b7a w60d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7b w60e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>s pa<span class=\"_ _6\"></span>id in t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x398 y2b7b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3b y2b7b w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7c w60f h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Cl<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ng n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts as a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3c y2b7d w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66f y2b7d w7b h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7e w610 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s sh<span class=\"_ _6\"></span>are in %<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3d y2b7e w611 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls61 wsa6\">8.<span class=\"_ _6\"></span>3%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d3 y2b7e w612 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">8<span class=\"_ _6\"></span>.3%<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7f w613 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s sh<span class=\"_ _6\"></span>are of n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s as at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2b7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x258 y2b7f w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b80 w614 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls3d ws47\">Accounting policy<span class=\"_ _0\"></span> alignment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3e y2b80 w22 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3f y2b80 w1e hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w615 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x564 y280f w1e hb1\"><div class=\"t m0 x1b5 h5 y2925 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x565 y280f wa8 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"gs53d\"><table class=\"s w616 hed\" id=\"_95165e66-44ae-4b9d-9366-615c1d890ab7\"><tr><td></td><td class=\"t m0 xb40 h28 y2b81 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb41 h28 y2b81 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb40 h28 y2b82 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb41 h28 y2b82 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb40 h28 y2b83 ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb42 h28 y2b83 ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2b84 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2b84 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2b85 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2b85 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2b86 ff55 fs19 fc2 sc0 ls12 ws16\">Su<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>eh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me (G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2b86 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2b86 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b87 w617 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Gross<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y2b87 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xae1 y2b87 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b88 w60b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2b88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x508 y2b88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b89 w618 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Other comprehensiv<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x656 y2b89 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb43 y2b89 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8a w619 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls7e wsa9\">T<span class=\"_ _b\"></span>ota<span class=\"_ _6\"></span>l comprehe<span class=\"_ _6\"></span>nsive income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a3 y2b8b w22 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb44 y2b8b w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8c w378 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">Dividends<span class=\"_ _0\"></span> receiv<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> associa<span class=\"_ _0\"></span>tes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb45 y2b8d w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb46 y2b8d w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w61a h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls9c ws36\">Capital redemption<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>eived<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> associa<span class=\"_ _0\"></span>tes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb47 y2810 wb4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y2810 w83 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr></table></div><div class=\"t m0 hd ff54 fs3 fc2 sc0 ls64 ws94 gs7f4\">In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>t in ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls39 ws42 gs7f5\">S<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cht<span class=\"_ _6\"></span>ing D<span class=\"_ _6\"></span>erd<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>gel<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>n Fundi<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle i<span class=\"_ _6\"></span>s not a d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t or i<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Hol<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>lc bu<span class=\"_ _6\"></span>t is a<span class=\"_ _6\"></span>n ind<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4d ws5e gs7f6\">sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>al pu<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ose fo<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion <span class=\"_ _6\"></span>whi<span class=\"_ _6\"></span>ch is re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>red in <span class=\"_ _6\"></span>the N<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>s to sa<span class=\"_ _6\"></span>fegu<span class=\"_ _6\"></span>ard b<span class=\"_ _6\"></span>orrow<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tor f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>s con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4d ws5e gs7f7\">as i<span class=\"_ _6\"></span>t is co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>roll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. T<span class=\"_ _6\"></span>he reg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tered o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>ress is A<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ium<span class=\"_ _6\"></span>, S<span class=\"_ _6\"></span>traw<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>k<span class=\"_ _6\"></span>yla<span class=\"_ _6\"></span>an 3<span class=\"_ _6\"></span>075, 4th Fl<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, 1077 Z<span class=\"_ _6\"></span>X A<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>terda<span class=\"_ _6\"></span>m.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4d ws5e gs7f8\">The Fun<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle H<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ngs Em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee Be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t was es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n 14 Se<span class=\"_ _6\"></span>ptem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2018. T<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>urp<span class=\"_ _6\"></span>ose o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust <span class=\"_ _6\"></span>is to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4d ws5e gs7f9\">fa<span class=\"_ _6\"></span>cili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>cqu<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any by<span class=\"_ _0\"></span>, or for t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t of, exis<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>nd f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyees of <span class=\"_ _6\"></span>the C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pany a<span class=\"_ _6\"></span>nd </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls4d ws5e gs7fa\">Gro<span class=\"_ _6\"></span>up su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d is con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d as i<span class=\"_ _6\"></span>t is con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls30 ws38 gs7fb\">Co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s: Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess O<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n Loan T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2019<span class=\"_ _6\"></span>-3 D<span class=\"_ _0\"></span>AC, Grea<span class=\"_ _6\"></span>t T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y Len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g 1 DAC, Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls30 ws38 gs7fc\">Lend<span class=\"_ _6\"></span>ing T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 201<span class=\"_ _6\"></span>9-A, S<span class=\"_ _6\"></span>mal<span class=\"_ _6\"></span>l Bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss Len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g Gr<span class=\"_ _6\"></span>anto<span class=\"_ _6\"></span>r T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t 2019<span class=\"_ _6\"></span>-<span class=\"_ _0\"></span>A<span class=\"_ _6\"></span>, Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess Le<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2020-A <span class=\"_ _0\"></span>an<span class=\"_ _6\"></span>d Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls30 ws38 gs7fd\">Lend<span class=\"_ _6\"></span>ing G<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ntor T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2020-A were con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ured w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e and s<span class=\"_ _6\"></span>ecu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ich e<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>her h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls30 ws38 gs7fe\">ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s in a ware<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>use o<span class=\"_ _6\"></span>r hol<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>lio of S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>s af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r se<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on h<span class=\"_ _6\"></span>as occ<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d. O<span class=\"_ _6\"></span>nly S<span class=\"_ _6\"></span>mal<span class=\"_ _6\"></span>l Bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls30 ws38 gs7ff\">Or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on Loa<span class=\"_ _6\"></span>n T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ust 20<span class=\"_ _6\"></span>19-3 DAC whi<span class=\"_ _6\"></span>ch is in l<span class=\"_ _6\"></span>iq<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>mai<span class=\"_ _6\"></span>ns co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d at 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he rem<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ing e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls30 ws16 gs800\">de<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated o<span class=\"_ _6\"></span>r dis<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>lved d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng 2024.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs801\">Kan<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>oa 2 Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted (\u201c<span class=\"_ _6\"></span>K<span class=\"_ _6\"></span>2\u201d) i<span class=\"_ _6\"></span>s a cons<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted U<span class=\"_ _6\"></span>K lever<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ed S<span class=\"_ _6\"></span>PV ware<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>use t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en s<span class=\"_ _6\"></span>et up w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of fu<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs802\">Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t and w<span class=\"_ _6\"></span>as tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ily u<span class=\"_ _6\"></span>sed t<span class=\"_ _6\"></span>o fun<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>ans t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>se of a se<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>or le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs803\">The e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re, or we<span class=\"_ _6\"></span>re, ban<span class=\"_ _6\"></span>kr<span class=\"_ _6\"></span>up<span class=\"_ _6\"></span>tcy rem<span class=\"_ _6\"></span>ote sp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ial p<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>e vehic<span class=\"_ _6\"></span>les a<span class=\"_ _6\"></span>nd as s<span class=\"_ _6\"></span>uch t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re is no re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt fo<span class=\"_ _6\"></span>r the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p to </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs804\">provi<span class=\"_ _6\"></span>de f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>upp<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t to the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>. The e<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>\u2019 ac<span class=\"_ _6\"></span>tiv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s are no<span class=\"_ _6\"></span>t gover<span class=\"_ _6\"></span>ned by vo<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p has a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs805\">th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t has po<span class=\"_ _6\"></span>wer over th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the p<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>e and de<span class=\"_ _6\"></span>sig<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y and a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y to d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e relev<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies of t<span class=\"_ _6\"></span>he </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs806\">en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, the na<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re of th<span class=\"_ _6\"></span>e rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>onsh<span class=\"_ _6\"></span>ip wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e size of it<span class=\"_ _6\"></span>s expo<span class=\"_ _6\"></span>sure to t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of the re<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>rns f<span class=\"_ _6\"></span>rom ea<span class=\"_ _6\"></span>ch en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs807\">As ex<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed in n<span class=\"_ _6\"></span>ote 1<span class=\"_ _6\"></span>6, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ex<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>nces c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk i<span class=\"_ _6\"></span>n rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>an as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ines o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls2f ws37 gs808\">of ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s, an<span class=\"_ _6\"></span>d inte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate ri<span class=\"_ _6\"></span>sk in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to the w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>n fac<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies wh<span class=\"_ _6\"></span>ich is p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>tia<span class=\"_ _6\"></span>lly mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>iga<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh t<span class=\"_ _6\"></span>he us<span class=\"_ _6\"></span>e </div><div class=\"t m0 h5 ff56 fs3 fc2 sc0 ls3d ws47 gs809\">of derivativ<span class=\"_ _0\"></span>e financial<span class=\"_ _0\"></span> instruments.<span class=\"_ _2f2\"> </span></div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs80a\">The p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s mos<span class=\"_ _6\"></span>t si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ant su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ki<span class=\"_ _6\"></span>ngs a<span class=\"_ _6\"></span>re set o<span class=\"_ _6\"></span>ut b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow<span class=\"_ _0\"></span>. The<span class=\"_ _6\"></span>se are co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red </div><div class=\"t m0 h5 ff55 fs3 fc2 sc0 ls12 ws16 gs80b\">si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n the c<span class=\"_ _6\"></span>ontex<span class=\"_ _5\"></span>t of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess, re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on.<span class=\"_ _2f2\"> </span></div><div class=\"gs80c\"><table class=\"s w61b hee\" id=\"_1c4c59b2-4896-4747-9ce6-588658dcc9c4\"><tr><td class=\"c n x1be y2b8e w61c h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsc9 wsed\">Subsidiary under<span class=\"_ _6\"></span>takings<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb48 y2b8e w61d h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8f w5d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ltd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb49 y2b8f w61e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ac<span class=\"_ _6\"></span>ts as f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tor an<span class=\"_ _6\"></span>d pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ms in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>med<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices i<span class=\"_ _6\"></span>n resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t of al<span class=\"_ _6\"></span>l lo<span class=\"_ _6\"></span>ans m<span class=\"_ _6\"></span>ade<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb4a h5 y2b90 ff55 fs3 fc2 sc0 ls12 ws16\">th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm in t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K an<span class=\"_ _6\"></span>d Flexi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b91 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Foc<span class=\"_ _6\"></span>al Po<span class=\"_ _6\"></span>int Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"t m0 xb4a h5 y2b91 ff55 fs3 fc2 sc0 ls12 ws16\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y via w<span class=\"_ _6\"></span>hich C<span class=\"_ _6\"></span>BI<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans are o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d and w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h ho<span class=\"_ _6\"></span>lds l<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le to l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s </td></tr><tr><td class=\"t m0 x250 h5 y2b92 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b92 ff55 fs3 fc2 sc0 ls12 ws16\">whi<span class=\"_ _6\"></span>ch are h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d via t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res for t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>cial o<span class=\"_ _6\"></span>wne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip of in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b93 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ecli<span class=\"_ _6\"></span>pse Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"t m0 xb4a h5 y2b93 ff55 fs3 fc2 sc0 ls12 ws16\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y via w<span class=\"_ _6\"></span>hich R<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>re or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d whi<span class=\"_ _6\"></span>ch ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>s leg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le to l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns wh<span class=\"_ _6\"></span>ich </td></tr><tr><td class=\"t m0 x250 h5 y2b94 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b94 ff55 fs3 fc2 sc0 ls12 ws16\">are he<span class=\"_ _6\"></span>ld v<span class=\"_ _6\"></span>ia t<span class=\"_ _6\"></span>rus<span class=\"_ _6\"></span>t s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ture<span class=\"_ _6\"></span>s for th<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>al ow<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p of ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b95 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Pol<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>s Lend<span class=\"_ _6\"></span>ing </td><td class=\"t m0 xb4a h5 y2b95 ff55 fs3 fc2 sc0 lsd5 wsfa\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>vi<span class=\"_ _6\"></span>a which RLS an<span class=\"_ _6\"></span>d GGS loa<span class=\"_ _6\"></span>ns are orig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ated an<span class=\"_ _6\"></span>d which ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>s lega<span class=\"_ _6\"></span>l ti<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>e to <span class=\"_ _0\"></span>loa<span class=\"_ _6\"></span>ns </td></tr><tr><td class=\"t m0 x250 h5 y2b96 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b96 ff55 fs3 fc2 sc0 lsd5 wsfa\">whi<span class=\"_ _6\"></span>ch are hel<span class=\"_ _6\"></span>d via tru<span class=\"_ _6\"></span>st st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>s f<span class=\"_ _0\"></span>or th<span class=\"_ _6\"></span>e bene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l owner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>of ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28e0 w5ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e De<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>sch<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d Gm<span class=\"_ _6\"></span>bH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb4b y28e0 w61f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d the Fu<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m in G<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>any an<span class=\"_ _6\"></span>d ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s lo<span class=\"_ _6\"></span>ans.<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ne<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd B.<span class=\"_ _0\"></span>V<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb4c y280f w620 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rate<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm in t<span class=\"_ _6\"></span>he N<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>her<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nds a<span class=\"_ _6\"></span>nd se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ces lo<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>.</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-483": {
   "value": "29. In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>est<span class=\"_ _6\"></span>s in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span>Investments in subsidiaries<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p had t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ies, a<span class=\"_ _6\"></span>ll of w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h have be<span class=\"_ _6\"></span>en in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts. Th<span class=\"_ _6\"></span>e pro<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tio<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>he vot<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g rig<span class=\"_ _6\"></span>ht<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y und<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>tak<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>gs he<span class=\"_ _6\"></span>ld di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y by the C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny does n<span class=\"_ _6\"></span>ot d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>fer fro<span class=\"_ _6\"></span>m the p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of ordinary shares<span class=\"_ _0\"></span> held.<span class=\"_ _2f2\"> </span><table class=\"s w5d2 he8\" id=\"_eb11f4fd-3b8e-4291-8cb5-f0cdfb01f18d\"><tr><td></td><td class=\"t m0 xae2 h28 y2b4f ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xae3 h28 y2b50 ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation</td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xae3 h28 y2b51 ff56 fs19 fc2 sc0 lscb wsef\"> and principal<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae4 h28 y2b51 ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae5 h28 y2b51 ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/</td><td></td></tr><tr><td></td><td class=\"t m0 xae6 h28 y2b52 ff56 fs19 fc2 sc0 ls12 ws16\"> pl<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>e of</td><td class=\"t m0 xae7 h28 y2b52 ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x416 h28 y2b52 ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x250 h28 y2b53 ff55 fs19 fc2 sc0 lsc9 wsed\">Subsidiary under<span class=\"_ _6\"></span>takings</td><td class=\"t m0 xae8 h28 y2b53 ff55 fs19 fc2 sc0 lsc9 wsed\"> business<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae9 h28 y2b53 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xaea y2b54 w5d3 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaeb y2b54 w5d4 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>red o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b55 w5d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ltd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaec y2b55 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaed y2b55 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaee y2b55 w5d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaef y2b55 w5d8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">7<span class=\"_ _6\"></span>1 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ia S<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>, Londo<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b56 w5d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e BB Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf0 y2b56 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf1 y2b56 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf2 y2b56 w5da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf3 y2b56 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b57 w5dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ecli<span class=\"_ _6\"></span>pse Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf4 y2b57 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf5 y2b57 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf6 y2b57 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf7 y2b57 w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b58 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Foc<span class=\"_ _6\"></span>al Po<span class=\"_ _6\"></span>int Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"c n x8bc y2b59 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf8 y2b59 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf9 y2b59 w5da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafa y2b59 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b5a ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2b5b w5df h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Gl<span class=\"_ _6\"></span>oba<span class=\"_ _6\"></span>l Par<span class=\"_ _5\"></span>tne<span class=\"_ _6\"></span>rs Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafb y2b5b w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafc y2b5b w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafd y2b5b w5e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafe y2b5b w5e1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">7<span class=\"_ _6\"></span>1 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ia S<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>et, Lon<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b5c w5e2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tee Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaff y2b5c w5e3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb00 y2b5c w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>00%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb01 y2b5c w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb02 y2b5c w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b5d w5e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>de T<span class=\"_ _0\"></span>o Do Mo<span class=\"_ _6\"></span>re Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb03 y2b5d w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb04 y2b5d w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>00%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb05 y2b5d w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb06 y2b5d w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2973 w5e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Pol<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>s Lend<span class=\"_ _6\"></span>ing L<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb07 y2973 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb08 y2973 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb09 y2973 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0a y2973 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b19 w5e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e CE G<span class=\"_ _6\"></span>mbH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0b y2b19 w5e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">Germany<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0c y2b19 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0d y2b19 w5d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0e y2b19 w5e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Rhe<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>a\u00dfe 11, 1<span class=\"_ _6\"></span>4513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>tow<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2975 w5ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e De<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>sch<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d Gm<span class=\"_ _6\"></span>bH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0f y2975 w5eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">German<span class=\"_ _0\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb10 y2975 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb11 y2975 w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb12 y2975 w5ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>\u00dfe 11, 14<span class=\"_ _6\"></span>513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>lto<span class=\"_ _6\"></span>w<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b8 w5ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>nne<span class=\"_ _6\"></span>ct G<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>H<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb13 y28b8 w5eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">German<span class=\"_ _0\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb14 y28b8 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb15 y28b8 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb16 y28b8 w5ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Rh<span class=\"_ _6\"></span>eins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ra\u00dfe 1<span class=\"_ _6\"></span>1, 14513 T<span class=\"_ _0\"></span>el<span class=\"_ _6\"></span>tow<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w5ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">FC<span class=\"_ _0\"></span> Forderungsma<span class=\"_ _0\"></span>nagement GmbH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb17 y28b9 w5e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">Germany<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb18 y28b9 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb19 y28b9 w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1a y28b9 w5ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>\u00dfe 11, 14<span class=\"_ _6\"></span>513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>lto<span class=\"_ _6\"></span>w<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ne<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd B.<span class=\"_ _0\"></span>V<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1b y280f w5f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Net<span class=\"_ _6\"></span>herlands<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1c y280f w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1d y280f w5f2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">In<span class=\"_ _6\"></span>directly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1e y280f w5f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ict<span class=\"_ _6\"></span>ori<span class=\"_ _6\"></span>a St<span class=\"_ _6\"></span>ree<span class=\"_ _6\"></span>t, Lon<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr></table>Investments in associates<span class=\"_ _2f2\"> </span>Se<span class=\"_ _6\"></span>t out be<span class=\"_ _6\"></span>low are the ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>of th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>Gro<span class=\"_ _6\"></span>up as at 31 <span class=\"_ _0\"></span>De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>2025 <span class=\"_ _0\"></span>whi<span class=\"_ _6\"></span>ch, in th<span class=\"_ _6\"></span>e opin<span class=\"_ _6\"></span>ion of th<span class=\"_ _6\"></span>e Direc<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s, are mater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l to <span class=\"_ _0\"></span>the Gro<span class=\"_ _6\"></span>up.<span class=\"_ _6\"></span> The en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es lis<span class=\"_ _6\"></span>ted be<span class=\"_ _6\"></span>low have share c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al cons<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g sole<span class=\"_ _6\"></span>ly of ordi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares, wh<span class=\"_ _6\"></span>ich are hel<span class=\"_ _6\"></span>d dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e Group. The co<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n or <span class=\"_ _0\"></span>reg<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on is also th<span class=\"_ _6\"></span>eir pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al pla<span class=\"_ _6\"></span>ce of busi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s, and th<span class=\"_ _6\"></span>e prop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of <span class=\"_ _0\"></span>owne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t is <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e same as th<span class=\"_ _6\"></span>e proport<span class=\"_ _6\"></span>ion<span class=\"_ _0\"></span> of v<span class=\"_ _0\"></span>oting rights<span class=\"_ _0\"></span> held.<span class=\"_ _2f2\"> </span><table class=\"s w5f4 he9\" id=\"_bff46650-dc62-4674-b4a0-eabd89a39197\"><tr><td></td><td></td><td class=\"t m0 xb1f h28 y2b5e ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb20 h28 y2b5e ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x89a h28 y2b5f ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td class=\"t m0 x2a7 h28 y2b5f ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7bf h28 y2b5f ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x1b9 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">Associate entity name<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x873 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7c4 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xb21 y2b61 w5d3 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb22 y2b61 w5f5 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>d of<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>e ad<span class=\"_ _6\"></span>dre<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Fund<span class=\"_ _6\"></span>ing Ci<span class=\"_ _6\"></span>rcle UK SM<span class=\"_ _6\"></span>E Direc<span class=\"_ _6\"></span>t Lendi<span class=\"_ _6\"></span>ng Fund<span class=\"_ _6\"></span>\u00b9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb23 y280f w5f7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">I<span class=\"_ _6\"></span>rela<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb24 y280f w5f8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">8%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb25 y280f w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb26 y280f w5f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">70, Sir J<span class=\"_ _6\"></span>oh<span class=\"_ _6\"></span>n Rog<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>on\u2019s Q<span class=\"_ _6\"></span>uay<span class=\"_ _0\"></span>, Dub<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>n 2, Irel<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>P<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>su<span class=\"_ _6\"></span>b-f<span class=\"_ _6\"></span>und<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>vi<span class=\"_ _6\"></span>a<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>Fun<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng<span class=\"_ gs546\"> </span>C<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>cl<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ICAV,<span class=\"_ gs546\"> </span>an<span class=\"_ gs546\"> </span>Ir<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve<span class=\"_ gs546\"> </span>as<span class=\"_ _6\"></span>set<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>veh<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ute<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>as<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>um<span class=\"_ _6\"></span>br<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>la<span class=\"_ gs546\"> </span>fu<span class=\"_ _6\"></span>nd<span class=\"_ gs546\"> </span>w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ad<span class=\"_ _6\"></span>dr<span class=\"_ _6\"></span>ess<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>70<span class=\"_ _6\"></span>,<span class=\"_ gs546\"> </span>Si<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>Joh<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>Ro<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>rs<span class=\"_ _6\"></span>on\u2019<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>Qu<span class=\"_ _6\"></span>ay,<span class=\"_ gs546\"> </span>Dub<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>2,<span class=\"_ gs546\"> </span>I<span class=\"_ _6\"></span>rel<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>The a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>bove dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow, whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d par<span class=\"_ _5\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span><table class=\"s w5fa hea\" id=\"_d2a58f09-ec9a-44bd-9244-fe312c03b8fb\"><tr><td></td><td></td><td></td><td class=\"t m0 x6d7 h28 y2b62 ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac4 h28 y2b62 ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x376 h28 y2b63 ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td></td><td class=\"t m0 xb27 h28 y2b63 ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x29f h28 y2b63 ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x1b9 h28 y2b64 ff56 fs19 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty n<span class=\"_ _6\"></span>am<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"c n xb28 y2b65 w5fb h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb29 y2b65 w5fc h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Relationship</div></td><td class=\"t m0 xb20 h28 y2b64 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xb2a y2b65 w5d3 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2b y2b65 w5fd h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e ad<span class=\"_ _6\"></span>dres<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2b66 ff55 fs3 fc2 sc0 ls3d ws47\">Throgmorton Lending<span class=\"_ _0\"></span> Designated </td><td class=\"c n xb2c y2a31 w5fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">Ire<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2d y2a31 w5ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Subsidiary<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2e y2a31 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2f y2a31 w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb30 y2a31 w600 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">70, S<span class=\"_ _6\"></span>ir Jo<span class=\"_ _6\"></span>hn Ro<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>rso<span class=\"_ _6\"></span>n\u2019s Qu<span class=\"_ _6\"></span>ay<span class=\"_ _b\"></span>,<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2b67 ff56 fs3 fc2 sc0 lsdf ws107\">Activit<span class=\"_ _6\"></span>y Company<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 xb31 h5 y2b67 ff56 fs3 fc2 sc0 ls81 wsad\">of associate</td><td></td><td></td><td class=\"t m0 x1ae h5 y2b67 ff55 fs3 fc2 sc0 ls12 ws16\"> Du<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>n 2, Ire<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td></tr></table>The ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es below provi<span class=\"_ _6\"></span>de summ<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al infor<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>for tho<span class=\"_ _6\"></span>se asso<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>es that are mater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l <span class=\"_ _0\"></span>to the Grou<span class=\"_ _6\"></span>p. <span class=\"_ _0\"></span>The infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on discl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span> ref<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts prese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>in the fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l <span class=\"_ _0\"></span>st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts of the releva<span class=\"_ _6\"></span>nt asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes and not Fundi<span class=\"_ _6\"></span>ng Circl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>Ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>pl<span class=\"_ _6\"></span>c\u2019s share of <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span> amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts. They have <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>en amen<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>to refle<span class=\"_ _6\"></span>ct ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s made by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>wh<span class=\"_ _6\"></span>en usin<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>me<span class=\"_ _6\"></span>tho<span class=\"_ _6\"></span>d, inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ing mo<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns for di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>in acco<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. <span class=\"_ _0\"></span>Whi<span class=\"_ _6\"></span>le the Grou<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>ho<span class=\"_ _6\"></span>lds les<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>an 20% <span class=\"_ _0\"></span>owner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>in Fundi<span class=\"_ _6\"></span>ng Circl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>UK SME Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>Lend<span class=\"_ _6\"></span>ing Fund I, the<span class=\"_ _6\"></span> Gro<span class=\"_ _6\"></span>up consi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>rs that it has sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt infl<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nce over <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y throu<span class=\"_ _6\"></span>gh repres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>on it<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>Bo<span class=\"_ _6\"></span>ard and so <span class=\"_ _0\"></span>con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>to accou<span class=\"_ _6\"></span>nt for <span class=\"_ _0\"></span>i<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>as<span class=\"_ _6\"></span> an asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>te inste<span class=\"_ _6\"></span>ad of <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>. The <span class=\"_ _0\"></span>ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates are sub<span class=\"_ _6\"></span>-fu<span class=\"_ _6\"></span>nds whi<span class=\"_ _6\"></span>ch invest in SME loan<span class=\"_ _6\"></span>s, and the Grou<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>is expos<span class=\"_ _6\"></span>ed to <span class=\"_ _0\"></span>def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span> an<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>prep<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt ris<span class=\"_ _6\"></span>k <span class=\"_ _0\"></span>wi<span class=\"_ _6\"></span>th resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>to the per<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce of the und<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>lyin<span class=\"_ _6\"></span>g loan<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>in the ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates, to the ex<span class=\"_ _6\"></span>tent th<span class=\"_ _6\"></span>at the sha<span class=\"_ _6\"></span>re <span class=\"_ _0\"></span>of profi<span class=\"_ _6\"></span>t from<span class=\"_ _6\"></span> ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates may dimi<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>h. The <span class=\"_ _0\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>low ill<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes the Grou<span class=\"_ _6\"></span>p\u2019s <span class=\"_ _0\"></span>ma<span class=\"_ _6\"></span>xim<span class=\"_ _6\"></span>um expos<span class=\"_ _6\"></span>ure to <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt in asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes which repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ts the<span class=\"_ _6\"></span> val<span class=\"_ _6\"></span>ue on the Group ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce she<span class=\"_ _6\"></span>et. The val<span class=\"_ _6\"></span>ue of <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt is <span class=\"_ _0\"></span>de<span class=\"_ _6\"></span>rive<span class=\"_ _6\"></span>d from net asse<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>val<span class=\"_ _6\"></span>ue st<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s from the sub<span class=\"_ _6\"></span>-fu<span class=\"_ _6\"></span>nds; however, be<span class=\"_ _6\"></span>ing pr<span class=\"_ _6\"></span>ivat<span class=\"_ _6\"></span>e, <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>ese are <span class=\"_ _0\"></span>no<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>fro<span class=\"_ _6\"></span>m <span class=\"_ _0\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>ble mar<span class=\"_ _6\"></span>ket dat<span class=\"_ _6\"></span>a, and the<span class=\"_ _6\"></span>refore the fai<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>val<span class=\"_ _6\"></span>ue is <span class=\"_ _0\"></span>con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>to <span class=\"_ _0\"></span>be ali<span class=\"_ _6\"></span>gne<span class=\"_ _6\"></span>d to <span class=\"_ _0\"></span>the ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng valu<span class=\"_ _6\"></span>e. Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g the year<span class=\"_ _0\"></span>, <span class=\"_ _0\"></span>Fund<span class=\"_ _6\"></span>ing Circ<span class=\"_ _6\"></span>le Ltd <span class=\"_ _0\"></span>pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>ed the rema<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ng loa<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>lio fro<span class=\"_ _6\"></span>m <span class=\"_ _0\"></span>Thro<span class=\"_ _6\"></span>gmo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>Lend<span class=\"_ _6\"></span>ing De<span class=\"_ _6\"></span>sig<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d Acti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y Comp<span class=\"_ _6\"></span>any for \u00a33.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n wit<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>an eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic cut-<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>f date of 31 <span class=\"_ _0\"></span>Marc<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>2025. <span class=\"_ _0\"></span>This was set<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>ne<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>of coll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons in Augus<span class=\"_ _6\"></span>t 202<span class=\"_ _0\"></span>5 <span class=\"_ _0\"></span>for \u00a31.1 <span class=\"_ _0\"></span>mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt to <span class=\"_ _0\"></span>the sa<span class=\"_ _6\"></span>le the ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>app<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>liq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>dato<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span><table class=\"s w601 heb\" id=\"_fde77576-6529-4e94-95fc-19e27a24e76e\"><tr><td></td><td class=\"t m0 xb32 h28 y2b68 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b68 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b69 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b69 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b6a ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb33 h28 y2b6a ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x49f h28 y2b6b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b6b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b6c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b6c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2b6d ff55 fs19 fc2 sc0 ls12 ws16\">Su<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et (G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4a0 h28 y2b6d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b6d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b6e w602 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Non-current a<span class=\"_ _0\"></span>ssets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y2b6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y2b6e wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b6f w603 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62c y2b6f w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb34 y2b6f w2f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b70 w604 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Current<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb35 y2b70 w605 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb36 y2b70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b71 w606 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Non-current liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y2b71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ed y2b71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w607 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">Net assets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x398 y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb37 y2810 w234 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr></table>Reconciliatio<span class=\"_ _0\"></span>n <span class=\"_ _b\"></span>of <span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>ociate<span class=\"_ _0\"></span>s\u2019<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>otal <span class=\"_ _b\"></span>shareholders\u2019 <span class=\"_ _b\"></span>equit<span class=\"_ _6\"></span>y <span class=\"_ _b\"></span>to <span class=\"_ _b\"></span>carr<span class=\"_ _6\"></span>ying<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>amount<span class=\"_ _0\"></span> <span class=\"_ _b\"></span>in <span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>unding<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Circ<span class=\"_ _0\"></span>le <span class=\"_ _b\"></span>Holdings <span class=\"_ _0\"></span>plc\u2019<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>solidated financial statements<span class=\"_ _2f2\"> </span><table class=\"s w608 hec\" id=\"_df2c21ca-f7e9-488c-9621-e25cdb2b03cd\"><tr><td></td><td class=\"t m0 xb32 h28 y2b72 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b72 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b73 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b73 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b74 ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb33 h28 y2b74 ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x49f h28 y2b75 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b75 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b76 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b76 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2b77 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b78 w609 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Op<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>ng n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s as at 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb38 y2b78 w60a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d1 y2b78 w31e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1<span class=\"_ _6\"></span>8.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b79 w60b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb39 y2b79 w407 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y2b79 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7a w60c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Capit<span class=\"_ _6\"></span>al r<span class=\"_ _0\"></span>edemptions in the y<span class=\"_ _0\"></span>ear<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3a y2b7a w38f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76d y2b7a w60d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7b w60e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>s pa<span class=\"_ _6\"></span>id in t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x398 y2b7b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3b y2b7b w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7c w60f h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Cl<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ng n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts as a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3c y2b7d w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66f y2b7d w7b h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7e w610 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s sh<span class=\"_ _6\"></span>are in %<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3d y2b7e w611 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls61 wsa6\">8.<span class=\"_ _6\"></span>3%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d3 y2b7e w612 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">8<span class=\"_ _6\"></span>.3%<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7f w613 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s sh<span class=\"_ _6\"></span>are of n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s as at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2b7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x258 y2b7f w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b80 w614 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls3d ws47\">Accounting policy<span class=\"_ _0\"></span> alignment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3e y2b80 w22 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3f y2b80 w1e hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w615 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x564 y280f w1e hb1\"><div class=\"t m0 x1b5 h5 y2925 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x565 y280f wa8 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w616 hed\" id=\"_95165e66-44ae-4b9d-9366-615c1d890ab7\"><tr><td></td><td class=\"t m0 xb40 h28 y2b81 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb41 h28 y2b81 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb40 h28 y2b82 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb41 h28 y2b82 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb40 h28 y2b83 ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb42 h28 y2b83 ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2b84 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2b84 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2b85 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2b85 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2b86 ff55 fs19 fc2 sc0 ls12 ws16\">Su<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>eh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me (G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2b86 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2b86 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b87 w617 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Gross<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y2b87 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xae1 y2b87 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b88 w60b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2b88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x508 y2b88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b89 w618 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Other comprehensiv<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x656 y2b89 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb43 y2b89 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8a w619 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls7e wsa9\">T<span class=\"_ _b\"></span>ota<span class=\"_ _6\"></span>l comprehe<span class=\"_ _6\"></span>nsive income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a3 y2b8b w22 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb44 y2b8b w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8c w378 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">Dividends<span class=\"_ _0\"></span> receiv<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> associa<span class=\"_ _0\"></span>tes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb45 y2b8d w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb46 y2b8d w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w61a h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls9c ws36\">Capital redemption<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>eived<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> associa<span class=\"_ _0\"></span>tes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb47 y2810 wb4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y2810 w83 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr></table>In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>t in ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span>S<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cht<span class=\"_ _6\"></span>ing D<span class=\"_ _6\"></span>erd<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>gel<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>n Fundi<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle i<span class=\"_ _6\"></span>s not a d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t or i<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Hol<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>lc bu<span class=\"_ _6\"></span>t is a<span class=\"_ _6\"></span>n ind<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>al pu<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ose fo<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion <span class=\"_ _6\"></span>whi<span class=\"_ _6\"></span>ch is re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>red in <span class=\"_ _6\"></span>the N<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>s to sa<span class=\"_ _6\"></span>fegu<span class=\"_ _6\"></span>ard b<span class=\"_ _6\"></span>orrow<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tor f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>s con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted as i<span class=\"_ _6\"></span>t is co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>roll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. T<span class=\"_ _6\"></span>he reg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tered o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>ress is A<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ium<span class=\"_ _6\"></span>, S<span class=\"_ _6\"></span>traw<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>k<span class=\"_ _6\"></span>yla<span class=\"_ _6\"></span>an 3<span class=\"_ _6\"></span>075, 4th Fl<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, 1077 Z<span class=\"_ _6\"></span>X A<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>terda<span class=\"_ _6\"></span>m.<span class=\"_ _2f2\"> </span>The Fun<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle H<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ngs Em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee Be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t was es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n 14 Se<span class=\"_ _6\"></span>ptem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2018. T<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>urp<span class=\"_ _6\"></span>ose o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust <span class=\"_ _6\"></span>is to fa<span class=\"_ _6\"></span>cili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>cqu<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any by<span class=\"_ _0\"></span>, or for t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t of, exis<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>nd f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyees of <span class=\"_ _6\"></span>the C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pany a<span class=\"_ _6\"></span>nd Gro<span class=\"_ _6\"></span>up su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d is con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d as i<span class=\"_ _6\"></span>t is con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up.<span class=\"_ _2f2\"> </span>Co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s: Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess O<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n Loan T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2019<span class=\"_ _6\"></span>-3 D<span class=\"_ _0\"></span>AC, Grea<span class=\"_ _6\"></span>t T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y Len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g 1 DAC, Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess Lend<span class=\"_ _6\"></span>ing T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 201<span class=\"_ _6\"></span>9-A, S<span class=\"_ _6\"></span>mal<span class=\"_ _6\"></span>l Bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss Len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g Gr<span class=\"_ _6\"></span>anto<span class=\"_ _6\"></span>r T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t 2019<span class=\"_ _6\"></span>-<span class=\"_ _0\"></span>A<span class=\"_ _6\"></span>, Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess Le<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2020-A <span class=\"_ _0\"></span>an<span class=\"_ _6\"></span>d Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess Lend<span class=\"_ _6\"></span>ing G<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ntor T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2020-A were con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ured w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e and s<span class=\"_ _6\"></span>ecu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ich e<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>her h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s in a ware<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>use o<span class=\"_ _6\"></span>r hol<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>lio of S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>s af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r se<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on h<span class=\"_ _6\"></span>as occ<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d. O<span class=\"_ _6\"></span>nly S<span class=\"_ _6\"></span>mal<span class=\"_ _6\"></span>l Bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss Or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on Loa<span class=\"_ _6\"></span>n T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ust 20<span class=\"_ _6\"></span>19-3 DAC whi<span class=\"_ _6\"></span>ch is in l<span class=\"_ _6\"></span>iq<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>mai<span class=\"_ _6\"></span>ns co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d at 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he rem<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ing e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s de<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated o<span class=\"_ _6\"></span>r dis<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>lved d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng 2024.<span class=\"_ _2f2\"> </span>Kan<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>oa 2 Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted (\u201c<span class=\"_ _6\"></span>K<span class=\"_ _6\"></span>2\u201d) i<span class=\"_ _6\"></span>s a cons<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted U<span class=\"_ _6\"></span>K lever<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ed S<span class=\"_ _6\"></span>PV ware<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>use t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en s<span class=\"_ _6\"></span>et up w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of fu<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t and w<span class=\"_ _6\"></span>as tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ily u<span class=\"_ _6\"></span>sed t<span class=\"_ _6\"></span>o fun<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>ans t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>se of a se<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>or le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re, or we<span class=\"_ _6\"></span>re, ban<span class=\"_ _6\"></span>kr<span class=\"_ _6\"></span>up<span class=\"_ _6\"></span>tcy rem<span class=\"_ _6\"></span>ote sp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ial p<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>e vehic<span class=\"_ _6\"></span>les a<span class=\"_ _6\"></span>nd as s<span class=\"_ _6\"></span>uch t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re is no re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt fo<span class=\"_ _6\"></span>r the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p to provi<span class=\"_ _6\"></span>de f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>upp<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t to the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>. The e<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>\u2019 ac<span class=\"_ _6\"></span>tiv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s are no<span class=\"_ _6\"></span>t gover<span class=\"_ _6\"></span>ned by vo<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p has a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t has po<span class=\"_ _6\"></span>wer over th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the p<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>e and de<span class=\"_ _6\"></span>sig<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y and a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y to d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e relev<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies of t<span class=\"_ _6\"></span>he en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, the na<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re of th<span class=\"_ _6\"></span>e rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>onsh<span class=\"_ _6\"></span>ip wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e size of it<span class=\"_ _6\"></span>s expo<span class=\"_ _6\"></span>sure to t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of the re<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>rns f<span class=\"_ _6\"></span>rom ea<span class=\"_ _6\"></span>ch en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>As ex<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed in n<span class=\"_ _6\"></span>ote 1<span class=\"_ _6\"></span>6, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ex<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>nces c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk i<span class=\"_ _6\"></span>n rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>an as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ines o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et of ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s, an<span class=\"_ _6\"></span>d inte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate ri<span class=\"_ _6\"></span>sk in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to the w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>n fac<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies wh<span class=\"_ _6\"></span>ich is p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>tia<span class=\"_ _6\"></span>lly mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>iga<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh t<span class=\"_ _6\"></span>he us<span class=\"_ _6\"></span>e of derivativ<span class=\"_ _0\"></span>e financial<span class=\"_ _0\"></span> instruments.<span class=\"_ _2f2\"> </span>The p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s mos<span class=\"_ _6\"></span>t si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ant su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ki<span class=\"_ _6\"></span>ngs a<span class=\"_ _6\"></span>re set o<span class=\"_ _6\"></span>ut b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow<span class=\"_ _0\"></span>. The<span class=\"_ _6\"></span>se are co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n the c<span class=\"_ _6\"></span>ontex<span class=\"_ _5\"></span>t of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess, re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on.<span class=\"_ _2f2\"> </span><table class=\"s w61b hee\" id=\"_1c4c59b2-4896-4747-9ce6-588658dcc9c4\"><tr><td class=\"c n x1be y2b8e w61c h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsc9 wsed\">Subsidiary under<span class=\"_ _6\"></span>takings<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb48 y2b8e w61d h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8f w5d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ltd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb49 y2b8f w61e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ac<span class=\"_ _6\"></span>ts as f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tor an<span class=\"_ _6\"></span>d pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ms in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>med<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices i<span class=\"_ _6\"></span>n resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t of al<span class=\"_ _6\"></span>l lo<span class=\"_ _6\"></span>ans m<span class=\"_ _6\"></span>ade<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb4a h5 y2b90 ff55 fs3 fc2 sc0 ls12 ws16\">th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm in t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K an<span class=\"_ _6\"></span>d Flexi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b91 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Foc<span class=\"_ _6\"></span>al Po<span class=\"_ _6\"></span>int Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"t m0 xb4a h5 y2b91 ff55 fs3 fc2 sc0 ls12 ws16\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y via w<span class=\"_ _6\"></span>hich C<span class=\"_ _6\"></span>BI<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans are o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d and w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h ho<span class=\"_ _6\"></span>lds l<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le to l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s </td></tr><tr><td class=\"t m0 x250 h5 y2b92 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b92 ff55 fs3 fc2 sc0 ls12 ws16\">whi<span class=\"_ _6\"></span>ch are h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d via t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res for t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>cial o<span class=\"_ _6\"></span>wne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip of in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b93 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ecli<span class=\"_ _6\"></span>pse Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"t m0 xb4a h5 y2b93 ff55 fs3 fc2 sc0 ls12 ws16\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y via w<span class=\"_ _6\"></span>hich R<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>re or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d whi<span class=\"_ _6\"></span>ch ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>s leg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le to l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns wh<span class=\"_ _6\"></span>ich </td></tr><tr><td class=\"t m0 x250 h5 y2b94 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b94 ff55 fs3 fc2 sc0 ls12 ws16\">are he<span class=\"_ _6\"></span>ld v<span class=\"_ _6\"></span>ia t<span class=\"_ _6\"></span>rus<span class=\"_ _6\"></span>t s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ture<span class=\"_ _6\"></span>s for th<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>al ow<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p of ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b95 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Pol<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>s Lend<span class=\"_ _6\"></span>ing </td><td class=\"t m0 xb4a h5 y2b95 ff55 fs3 fc2 sc0 lsd5 wsfa\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>vi<span class=\"_ _6\"></span>a which RLS an<span class=\"_ _6\"></span>d GGS loa<span class=\"_ _6\"></span>ns are orig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ated an<span class=\"_ _6\"></span>d which ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>s lega<span class=\"_ _6\"></span>l ti<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>e to <span class=\"_ _0\"></span>loa<span class=\"_ _6\"></span>ns </td></tr><tr><td class=\"t m0 x250 h5 y2b96 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b96 ff55 fs3 fc2 sc0 lsd5 wsfa\">whi<span class=\"_ _6\"></span>ch are hel<span class=\"_ _6\"></span>d via tru<span class=\"_ _6\"></span>st st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>s f<span class=\"_ _0\"></span>or th<span class=\"_ _6\"></span>e bene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l owner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>of ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28e0 w5ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e De<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>sch<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d Gm<span class=\"_ _6\"></span>bH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb4b y28e0 w61f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d the Fu<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m in G<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>any an<span class=\"_ _6\"></span>d ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s lo<span class=\"_ _6\"></span>ans.<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ne<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd B.<span class=\"_ _0\"></span>V<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb4c y280f w620 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rate<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm in t<span class=\"_ _6\"></span>he N<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>her<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nds a<span class=\"_ _6\"></span>nd se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ces lo<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>.</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-479": {
   "value": "29. In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>est<span class=\"_ _6\"></span>s in o<span class=\"_ _6\"></span>the<span class=\"_ _6\"></span>r en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span>Investments in subsidiaries<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p had t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ies, a<span class=\"_ _6\"></span>ll of w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h have be<span class=\"_ _6\"></span>en in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts. Th<span class=\"_ _6\"></span>e pro<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tio<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>he vot<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g rig<span class=\"_ _6\"></span>ht<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y und<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>tak<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>gs he<span class=\"_ _6\"></span>ld di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y by the C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny does n<span class=\"_ _6\"></span>ot d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>fer fro<span class=\"_ _6\"></span>m the p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of ordinary shares<span class=\"_ _0\"></span> held.<span class=\"_ _2f2\"> </span><table class=\"s w5d2 he8\" id=\"_eb11f4fd-3b8e-4291-8cb5-f0cdfb01f18d\"><tr><td></td><td class=\"t m0 xae2 h28 y2b4f ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xae3 h28 y2b50 ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation</td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xae3 h28 y2b51 ff56 fs19 fc2 sc0 lscb wsef\"> and principal<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae4 h28 y2b51 ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae5 h28 y2b51 ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/</td><td></td></tr><tr><td></td><td class=\"t m0 xae6 h28 y2b52 ff56 fs19 fc2 sc0 ls12 ws16\"> pl<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>e of</td><td class=\"t m0 xae7 h28 y2b52 ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x416 h28 y2b52 ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x250 h28 y2b53 ff55 fs19 fc2 sc0 lsc9 wsed\">Subsidiary under<span class=\"_ _6\"></span>takings</td><td class=\"t m0 xae8 h28 y2b53 ff55 fs19 fc2 sc0 lsc9 wsed\"> business<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae9 h28 y2b53 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xaea y2b54 w5d3 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaeb y2b54 w5d4 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>red o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b55 w5d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ltd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaec y2b55 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaed y2b55 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaee y2b55 w5d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaef y2b55 w5d8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">7<span class=\"_ _6\"></span>1 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ia S<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>, Londo<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b56 w5d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e BB Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf0 y2b56 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf1 y2b56 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf2 y2b56 w5da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf3 y2b56 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b57 w5dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ecli<span class=\"_ _6\"></span>pse Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf4 y2b57 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf5 y2b57 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf6 y2b57 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf7 y2b57 w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b58 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Foc<span class=\"_ _6\"></span>al Po<span class=\"_ _6\"></span>int Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"c n x8bc y2b59 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf8 y2b59 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf9 y2b59 w5da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafa y2b59 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b5a ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2b5b w5df h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Gl<span class=\"_ _6\"></span>oba<span class=\"_ _6\"></span>l Par<span class=\"_ _5\"></span>tne<span class=\"_ _6\"></span>rs Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafb y2b5b w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafc y2b5b w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafd y2b5b w5e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafe y2b5b w5e1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">7<span class=\"_ _6\"></span>1 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ia S<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>et, Lon<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b5c w5e2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tee Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaff y2b5c w5e3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb00 y2b5c w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>00%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb01 y2b5c w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb02 y2b5c w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b5d w5e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>de T<span class=\"_ _0\"></span>o Do Mo<span class=\"_ _6\"></span>re Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb03 y2b5d w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb04 y2b5d w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>00%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb05 y2b5d w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb06 y2b5d w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2973 w5e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Pol<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>s Lend<span class=\"_ _6\"></span>ing L<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb07 y2973 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb08 y2973 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb09 y2973 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0a y2973 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b19 w5e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e CE G<span class=\"_ _6\"></span>mbH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0b y2b19 w5e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">Germany<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0c y2b19 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0d y2b19 w5d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0e y2b19 w5e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Rhe<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>a\u00dfe 11, 1<span class=\"_ _6\"></span>4513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>tow<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2975 w5ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e De<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>sch<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d Gm<span class=\"_ _6\"></span>bH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0f y2975 w5eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">German<span class=\"_ _0\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb10 y2975 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb11 y2975 w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb12 y2975 w5ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>\u00dfe 11, 14<span class=\"_ _6\"></span>513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>lto<span class=\"_ _6\"></span>w<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b8 w5ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>nne<span class=\"_ _6\"></span>ct G<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>H<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb13 y28b8 w5eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">German<span class=\"_ _0\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb14 y28b8 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb15 y28b8 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb16 y28b8 w5ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Rh<span class=\"_ _6\"></span>eins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ra\u00dfe 1<span class=\"_ _6\"></span>1, 14513 T<span class=\"_ _0\"></span>el<span class=\"_ _6\"></span>tow<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w5ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">FC<span class=\"_ _0\"></span> Forderungsma<span class=\"_ _0\"></span>nagement GmbH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb17 y28b9 w5e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">Germany<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb18 y28b9 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb19 y28b9 w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1a y28b9 w5ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>\u00dfe 11, 14<span class=\"_ _6\"></span>513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>lto<span class=\"_ _6\"></span>w<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ne<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd B.<span class=\"_ _0\"></span>V<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1b y280f w5f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Net<span class=\"_ _6\"></span>herlands<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1c y280f w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1d y280f w5f2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">In<span class=\"_ _6\"></span>directly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1e y280f w5f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ict<span class=\"_ _6\"></span>ori<span class=\"_ _6\"></span>a St<span class=\"_ _6\"></span>ree<span class=\"_ _6\"></span>t, Lon<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr></table>Investments in associates<span class=\"_ _2f2\"> </span>Se<span class=\"_ _6\"></span>t out be<span class=\"_ _6\"></span>low are the ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>of th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>Gro<span class=\"_ _6\"></span>up as at 31 <span class=\"_ _0\"></span>De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>2025 <span class=\"_ _0\"></span>whi<span class=\"_ _6\"></span>ch, in th<span class=\"_ _6\"></span>e opin<span class=\"_ _6\"></span>ion of th<span class=\"_ _6\"></span>e Direc<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s, are mater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l to <span class=\"_ _0\"></span>the Gro<span class=\"_ _6\"></span>up.<span class=\"_ _6\"></span> The en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es lis<span class=\"_ _6\"></span>ted be<span class=\"_ _6\"></span>low have share c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al cons<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g sole<span class=\"_ _6\"></span>ly of ordi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares, wh<span class=\"_ _6\"></span>ich are hel<span class=\"_ _6\"></span>d dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e Group. The co<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n or <span class=\"_ _0\"></span>reg<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on is also th<span class=\"_ _6\"></span>eir pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al pla<span class=\"_ _6\"></span>ce of busi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s, and th<span class=\"_ _6\"></span>e prop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of <span class=\"_ _0\"></span>owne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t is <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e same as th<span class=\"_ _6\"></span>e proport<span class=\"_ _6\"></span>ion<span class=\"_ _0\"></span> of v<span class=\"_ _0\"></span>oting rights<span class=\"_ _0\"></span> held.<span class=\"_ _2f2\"> </span><table class=\"s w5f4 he9\" id=\"_bff46650-dc62-4674-b4a0-eabd89a39197\"><tr><td></td><td></td><td class=\"t m0 xb1f h28 y2b5e ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb20 h28 y2b5e ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x89a h28 y2b5f ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td class=\"t m0 x2a7 h28 y2b5f ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7bf h28 y2b5f ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x1b9 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">Associate entity name<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x873 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7c4 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xb21 y2b61 w5d3 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb22 y2b61 w5f5 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>d of<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>e ad<span class=\"_ _6\"></span>dre<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Fund<span class=\"_ _6\"></span>ing Ci<span class=\"_ _6\"></span>rcle UK SM<span class=\"_ _6\"></span>E Direc<span class=\"_ _6\"></span>t Lendi<span class=\"_ _6\"></span>ng Fund<span class=\"_ _6\"></span>\u00b9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb23 y280f w5f7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">I<span class=\"_ _6\"></span>rela<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb24 y280f w5f8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">8%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb25 y280f w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb26 y280f w5f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">70, Sir J<span class=\"_ _6\"></span>oh<span class=\"_ _6\"></span>n Rog<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>on\u2019s Q<span class=\"_ _6\"></span>uay<span class=\"_ _0\"></span>, Dub<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>n 2, Irel<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>P<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>su<span class=\"_ _6\"></span>b-f<span class=\"_ _6\"></span>und<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>vi<span class=\"_ _6\"></span>a<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>Fun<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng<span class=\"_ gs546\"> </span>C<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>cl<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ICAV,<span class=\"_ gs546\"> </span>an<span class=\"_ gs546\"> </span>Ir<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve<span class=\"_ gs546\"> </span>as<span class=\"_ _6\"></span>set<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>veh<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ute<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>as<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>um<span class=\"_ _6\"></span>br<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>la<span class=\"_ gs546\"> </span>fu<span class=\"_ _6\"></span>nd<span class=\"_ gs546\"> </span>w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ad<span class=\"_ _6\"></span>dr<span class=\"_ _6\"></span>ess<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>70<span class=\"_ _6\"></span>,<span class=\"_ gs546\"> </span>Si<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>Joh<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>Ro<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>rs<span class=\"_ _6\"></span>on\u2019<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>Qu<span class=\"_ _6\"></span>ay,<span class=\"_ gs546\"> </span>Dub<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>2,<span class=\"_ gs546\"> </span>I<span class=\"_ _6\"></span>rel<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>The a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>bove dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow, whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d par<span class=\"_ _5\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span><table class=\"s w5fa hea\" id=\"_d2a58f09-ec9a-44bd-9244-fe312c03b8fb\"><tr><td></td><td></td><td></td><td class=\"t m0 x6d7 h28 y2b62 ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac4 h28 y2b62 ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x376 h28 y2b63 ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td></td><td class=\"t m0 xb27 h28 y2b63 ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x29f h28 y2b63 ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x1b9 h28 y2b64 ff56 fs19 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty n<span class=\"_ _6\"></span>am<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"c n xb28 y2b65 w5fb h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb29 y2b65 w5fc h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Relationship</div></td><td class=\"t m0 xb20 h28 y2b64 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xb2a y2b65 w5d3 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2b y2b65 w5fd h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e ad<span class=\"_ _6\"></span>dres<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2b66 ff55 fs3 fc2 sc0 ls3d ws47\">Throgmorton Lending<span class=\"_ _0\"></span> Designated </td><td class=\"c n xb2c y2a31 w5fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">Ire<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2d y2a31 w5ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Subsidiary<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2e y2a31 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2f y2a31 w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb30 y2a31 w600 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">70, S<span class=\"_ _6\"></span>ir Jo<span class=\"_ _6\"></span>hn Ro<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>rso<span class=\"_ _6\"></span>n\u2019s Qu<span class=\"_ _6\"></span>ay<span class=\"_ _b\"></span>,<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2b67 ff56 fs3 fc2 sc0 lsdf ws107\">Activit<span class=\"_ _6\"></span>y Company<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 xb31 h5 y2b67 ff56 fs3 fc2 sc0 ls81 wsad\">of associate</td><td></td><td></td><td class=\"t m0 x1ae h5 y2b67 ff55 fs3 fc2 sc0 ls12 ws16\"> Du<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>n 2, Ire<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td></tr></table>The ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es below provi<span class=\"_ _6\"></span>de summ<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al infor<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>for tho<span class=\"_ _6\"></span>se asso<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>es that are mater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l <span class=\"_ _0\"></span>to the Grou<span class=\"_ _6\"></span>p. <span class=\"_ _0\"></span>The infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on discl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span> ref<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts prese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>in the fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l <span class=\"_ _0\"></span>st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts of the releva<span class=\"_ _6\"></span>nt asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes and not Fundi<span class=\"_ _6\"></span>ng Circl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>Ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>pl<span class=\"_ _6\"></span>c\u2019s share of <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span> amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts. They have <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>en amen<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>to refle<span class=\"_ _6\"></span>ct ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s made by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>wh<span class=\"_ _6\"></span>en usin<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>me<span class=\"_ _6\"></span>tho<span class=\"_ _6\"></span>d, inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ing mo<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns for di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>in acco<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. <span class=\"_ _0\"></span>Whi<span class=\"_ _6\"></span>le the Grou<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>ho<span class=\"_ _6\"></span>lds les<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>an 20% <span class=\"_ _0\"></span>owner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>in Fundi<span class=\"_ _6\"></span>ng Circl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>UK SME Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>Lend<span class=\"_ _6\"></span>ing Fund I, the<span class=\"_ _6\"></span> Gro<span class=\"_ _6\"></span>up consi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>rs that it has sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt infl<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nce over <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y throu<span class=\"_ _6\"></span>gh repres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>on it<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>Bo<span class=\"_ _6\"></span>ard and so <span class=\"_ _0\"></span>con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>to accou<span class=\"_ _6\"></span>nt for <span class=\"_ _0\"></span>i<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>as<span class=\"_ _6\"></span> an asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>te inste<span class=\"_ _6\"></span>ad of <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>. The <span class=\"_ _0\"></span>ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates are sub<span class=\"_ _6\"></span>-fu<span class=\"_ _6\"></span>nds whi<span class=\"_ _6\"></span>ch invest in SME loan<span class=\"_ _6\"></span>s, and the Grou<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>is expos<span class=\"_ _6\"></span>ed to <span class=\"_ _0\"></span>def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span> an<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>prep<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt ris<span class=\"_ _6\"></span>k <span class=\"_ _0\"></span>wi<span class=\"_ _6\"></span>th resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>to the per<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce of the und<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>lyin<span class=\"_ _6\"></span>g loan<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>in the ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates, to the ex<span class=\"_ _6\"></span>tent th<span class=\"_ _6\"></span>at the sha<span class=\"_ _6\"></span>re <span class=\"_ _0\"></span>of profi<span class=\"_ _6\"></span>t from<span class=\"_ _6\"></span> ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates may dimi<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>h. The <span class=\"_ _0\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>low ill<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes the Grou<span class=\"_ _6\"></span>p\u2019s <span class=\"_ _0\"></span>ma<span class=\"_ _6\"></span>xim<span class=\"_ _6\"></span>um expos<span class=\"_ _6\"></span>ure to <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt in asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes which repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ts the<span class=\"_ _6\"></span> val<span class=\"_ _6\"></span>ue on the Group ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce she<span class=\"_ _6\"></span>et. The val<span class=\"_ _6\"></span>ue of <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt is <span class=\"_ _0\"></span>de<span class=\"_ _6\"></span>rive<span class=\"_ _6\"></span>d from net asse<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>val<span class=\"_ _6\"></span>ue st<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s from the sub<span class=\"_ _6\"></span>-fu<span class=\"_ _6\"></span>nds; however, be<span class=\"_ _6\"></span>ing pr<span class=\"_ _6\"></span>ivat<span class=\"_ _6\"></span>e, <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>ese are <span class=\"_ _0\"></span>no<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>fro<span class=\"_ _6\"></span>m <span class=\"_ _0\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>ble mar<span class=\"_ _6\"></span>ket dat<span class=\"_ _6\"></span>a, and the<span class=\"_ _6\"></span>refore the fai<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>val<span class=\"_ _6\"></span>ue is <span class=\"_ _0\"></span>con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>to <span class=\"_ _0\"></span>be ali<span class=\"_ _6\"></span>gne<span class=\"_ _6\"></span>d to <span class=\"_ _0\"></span>the ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng valu<span class=\"_ _6\"></span>e. Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g the year<span class=\"_ _0\"></span>, <span class=\"_ _0\"></span>Fund<span class=\"_ _6\"></span>ing Circ<span class=\"_ _6\"></span>le Ltd <span class=\"_ _0\"></span>pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>ed the rema<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ng loa<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>lio fro<span class=\"_ _6\"></span>m <span class=\"_ _0\"></span>Thro<span class=\"_ _6\"></span>gmo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>Lend<span class=\"_ _6\"></span>ing De<span class=\"_ _6\"></span>sig<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d Acti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y Comp<span class=\"_ _6\"></span>any for \u00a33.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n wit<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>an eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic cut-<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>f date of 31 <span class=\"_ _0\"></span>Marc<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>2025. <span class=\"_ _0\"></span>This was set<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>ne<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>of coll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons in Augus<span class=\"_ _6\"></span>t 202<span class=\"_ _0\"></span>5 <span class=\"_ _0\"></span>for \u00a31.1 <span class=\"_ _0\"></span>mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt to <span class=\"_ _0\"></span>the sa<span class=\"_ _6\"></span>le the ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>app<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>liq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>dato<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span><table class=\"s w601 heb\" id=\"_fde77576-6529-4e94-95fc-19e27a24e76e\"><tr><td></td><td class=\"t m0 xb32 h28 y2b68 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b68 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b69 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b69 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b6a ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb33 h28 y2b6a ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x49f h28 y2b6b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b6b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b6c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b6c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2b6d ff55 fs19 fc2 sc0 ls12 ws16\">Su<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et (G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4a0 h28 y2b6d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b6d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b6e w602 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Non-current a<span class=\"_ _0\"></span>ssets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y2b6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y2b6e wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b6f w603 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62c y2b6f w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb34 y2b6f w2f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b70 w604 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Current<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb35 y2b70 w605 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb36 y2b70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b71 w606 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Non-current liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y2b71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ed y2b71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w607 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">Net assets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x398 y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb37 y2810 w234 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr></table>Reconciliatio<span class=\"_ _0\"></span>n <span class=\"_ _b\"></span>of <span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>ociate<span class=\"_ _0\"></span>s\u2019<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>otal <span class=\"_ _b\"></span>shareholders\u2019 <span class=\"_ _b\"></span>equit<span class=\"_ _6\"></span>y <span class=\"_ _b\"></span>to <span class=\"_ _b\"></span>carr<span class=\"_ _6\"></span>ying<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>amount<span class=\"_ _0\"></span> <span class=\"_ _b\"></span>in <span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>unding<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Circ<span class=\"_ _0\"></span>le <span class=\"_ _b\"></span>Holdings <span class=\"_ _0\"></span>plc\u2019<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>solidated financial statements<span class=\"_ _2f2\"> </span><table class=\"s w608 hec\" id=\"_df2c21ca-f7e9-488c-9621-e25cdb2b03cd\"><tr><td></td><td class=\"t m0 xb32 h28 y2b72 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b72 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b73 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b73 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b74 ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb33 h28 y2b74 ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x49f h28 y2b75 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b75 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b76 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b76 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2b77 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b78 w609 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Op<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>ng n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s as at 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb38 y2b78 w60a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d1 y2b78 w31e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1<span class=\"_ _6\"></span>8.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b79 w60b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb39 y2b79 w407 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y2b79 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7a w60c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Capit<span class=\"_ _6\"></span>al r<span class=\"_ _0\"></span>edemptions in the y<span class=\"_ _0\"></span>ear<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3a y2b7a w38f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76d y2b7a w60d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7b w60e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>s pa<span class=\"_ _6\"></span>id in t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x398 y2b7b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3b y2b7b w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7c w60f h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Cl<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ng n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts as a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3c y2b7d w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66f y2b7d w7b h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7e w610 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s sh<span class=\"_ _6\"></span>are in %<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3d y2b7e w611 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls61 wsa6\">8.<span class=\"_ _6\"></span>3%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d3 y2b7e w612 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">8<span class=\"_ _6\"></span>.3%<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7f w613 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s sh<span class=\"_ _6\"></span>are of n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s as at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2b7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x258 y2b7f w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b80 w614 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls3d ws47\">Accounting policy<span class=\"_ _0\"></span> alignment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3e y2b80 w22 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3f y2b80 w1e hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w615 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x564 y280f w1e hb1\"><div class=\"t m0 x1b5 h5 y2925 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x565 y280f wa8 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w616 hed\" id=\"_95165e66-44ae-4b9d-9366-615c1d890ab7\"><tr><td></td><td class=\"t m0 xb40 h28 y2b81 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb41 h28 y2b81 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb40 h28 y2b82 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb41 h28 y2b82 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb40 h28 y2b83 ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb42 h28 y2b83 ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2b84 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2b84 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2b85 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2b85 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2b86 ff55 fs19 fc2 sc0 ls12 ws16\">Su<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>eh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me (G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2b86 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2b86 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b87 w617 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Gross<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y2b87 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xae1 y2b87 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b88 w60b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2b88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x508 y2b88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b89 w618 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Other comprehensiv<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x656 y2b89 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb43 y2b89 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8a w619 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls7e wsa9\">T<span class=\"_ _b\"></span>ota<span class=\"_ _6\"></span>l comprehe<span class=\"_ _6\"></span>nsive income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a3 y2b8b w22 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb44 y2b8b w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8c w378 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">Dividends<span class=\"_ _0\"></span> receiv<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> associa<span class=\"_ _0\"></span>tes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb45 y2b8d w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb46 y2b8d w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w61a h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls9c ws36\">Capital redemption<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>eived<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> associa<span class=\"_ _0\"></span>tes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb47 y2810 wb4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y2810 w83 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr></table>In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>t in ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span>S<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cht<span class=\"_ _6\"></span>ing D<span class=\"_ _6\"></span>erd<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>gel<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>n Fundi<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle i<span class=\"_ _6\"></span>s not a d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t or i<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Hol<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>lc bu<span class=\"_ _6\"></span>t is a<span class=\"_ _6\"></span>n ind<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>al pu<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ose fo<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion <span class=\"_ _6\"></span>whi<span class=\"_ _6\"></span>ch is re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>red in <span class=\"_ _6\"></span>the N<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>s to sa<span class=\"_ _6\"></span>fegu<span class=\"_ _6\"></span>ard b<span class=\"_ _6\"></span>orrow<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tor f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>s con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted as i<span class=\"_ _6\"></span>t is co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>roll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. T<span class=\"_ _6\"></span>he reg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tered o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>ress is A<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ium<span class=\"_ _6\"></span>, S<span class=\"_ _6\"></span>traw<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>k<span class=\"_ _6\"></span>yla<span class=\"_ _6\"></span>an 3<span class=\"_ _6\"></span>075, 4th Fl<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, 1077 Z<span class=\"_ _6\"></span>X A<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>terda<span class=\"_ _6\"></span>m.<span class=\"_ _2f2\"> </span>The Fun<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle H<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ngs Em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee Be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t was es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n 14 Se<span class=\"_ _6\"></span>ptem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2018. T<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>urp<span class=\"_ _6\"></span>ose o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust <span class=\"_ _6\"></span>is to fa<span class=\"_ _6\"></span>cili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>cqu<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any by<span class=\"_ _0\"></span>, or for t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t of, exis<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>nd f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyees of <span class=\"_ _6\"></span>the C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pany a<span class=\"_ _6\"></span>nd Gro<span class=\"_ _6\"></span>up su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d is con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d as i<span class=\"_ _6\"></span>t is con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up.<span class=\"_ _2f2\"> </span>Co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s: Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess O<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n Loan T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2019<span class=\"_ _6\"></span>-3 D<span class=\"_ _0\"></span>AC, Grea<span class=\"_ _6\"></span>t T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y Len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g 1 DAC, Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess Lend<span class=\"_ _6\"></span>ing T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 201<span class=\"_ _6\"></span>9-A, S<span class=\"_ _6\"></span>mal<span class=\"_ _6\"></span>l Bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss Len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g Gr<span class=\"_ _6\"></span>anto<span class=\"_ _6\"></span>r T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t 2019<span class=\"_ _6\"></span>-<span class=\"_ _0\"></span>A<span class=\"_ _6\"></span>, Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess Le<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2020-A <span class=\"_ _0\"></span>an<span class=\"_ _6\"></span>d Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess Lend<span class=\"_ _6\"></span>ing G<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ntor T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2020-A were con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ured w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e and s<span class=\"_ _6\"></span>ecu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ich e<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>her h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s in a ware<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>use o<span class=\"_ _6\"></span>r hol<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>lio of S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>s af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r se<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on h<span class=\"_ _6\"></span>as occ<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d. O<span class=\"_ _6\"></span>nly S<span class=\"_ _6\"></span>mal<span class=\"_ _6\"></span>l Bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss Or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on Loa<span class=\"_ _6\"></span>n T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ust 20<span class=\"_ _6\"></span>19-3 DAC whi<span class=\"_ _6\"></span>ch is in l<span class=\"_ _6\"></span>iq<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>mai<span class=\"_ _6\"></span>ns co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d at 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he rem<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ing e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s de<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated o<span class=\"_ _6\"></span>r dis<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>lved d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng 2024.<span class=\"_ _2f2\"> </span>Kan<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>oa 2 Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted (\u201c<span class=\"_ _6\"></span>K<span class=\"_ _6\"></span>2\u201d) i<span class=\"_ _6\"></span>s a cons<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted U<span class=\"_ _6\"></span>K lever<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ed S<span class=\"_ _6\"></span>PV ware<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>use t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en s<span class=\"_ _6\"></span>et up w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of fu<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t and w<span class=\"_ _6\"></span>as tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ily u<span class=\"_ _6\"></span>sed t<span class=\"_ _6\"></span>o fun<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>ans t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>se of a se<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>or le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re, or we<span class=\"_ _6\"></span>re, ban<span class=\"_ _6\"></span>kr<span class=\"_ _6\"></span>up<span class=\"_ _6\"></span>tcy rem<span class=\"_ _6\"></span>ote sp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ial p<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>e vehic<span class=\"_ _6\"></span>les a<span class=\"_ _6\"></span>nd as s<span class=\"_ _6\"></span>uch t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re is no re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt fo<span class=\"_ _6\"></span>r the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p to provi<span class=\"_ _6\"></span>de f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>upp<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t to the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>. The e<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>\u2019 ac<span class=\"_ _6\"></span>tiv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s are no<span class=\"_ _6\"></span>t gover<span class=\"_ _6\"></span>ned by vo<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p has a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t has po<span class=\"_ _6\"></span>wer over th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the p<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>e and de<span class=\"_ _6\"></span>sig<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y and a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y to d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e relev<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies of t<span class=\"_ _6\"></span>he en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, the na<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re of th<span class=\"_ _6\"></span>e rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>onsh<span class=\"_ _6\"></span>ip wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e size of it<span class=\"_ _6\"></span>s expo<span class=\"_ _6\"></span>sure to t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of the re<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>rns f<span class=\"_ _6\"></span>rom ea<span class=\"_ _6\"></span>ch en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>As ex<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed in n<span class=\"_ _6\"></span>ote 1<span class=\"_ _6\"></span>6, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ex<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>nces c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk i<span class=\"_ _6\"></span>n rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>an as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ines o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et of ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s, an<span class=\"_ _6\"></span>d inte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate ri<span class=\"_ _6\"></span>sk in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to the w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>n fac<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies wh<span class=\"_ _6\"></span>ich is p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>tia<span class=\"_ _6\"></span>lly mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>iga<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh t<span class=\"_ _6\"></span>he us<span class=\"_ _6\"></span>e of derivativ<span class=\"_ _0\"></span>e financial<span class=\"_ _0\"></span> instruments.<span class=\"_ _2f2\"> </span>The p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s mos<span class=\"_ _6\"></span>t si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ant su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ki<span class=\"_ _6\"></span>ngs a<span class=\"_ _6\"></span>re set o<span class=\"_ _6\"></span>ut b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow<span class=\"_ _0\"></span>. The<span class=\"_ _6\"></span>se are co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n the c<span class=\"_ _6\"></span>ontex<span class=\"_ _5\"></span>t of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess, re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on.<span class=\"_ _2f2\"> </span><table class=\"s w61b hee\" id=\"_1c4c59b2-4896-4747-9ce6-588658dcc9c4\"><tr><td class=\"c n x1be y2b8e w61c h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsc9 wsed\">Subsidiary under<span class=\"_ _6\"></span>takings<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb48 y2b8e w61d h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8f w5d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ltd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb49 y2b8f w61e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ac<span class=\"_ _6\"></span>ts as f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tor an<span class=\"_ _6\"></span>d pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ms in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>med<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices i<span class=\"_ _6\"></span>n resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t of al<span class=\"_ _6\"></span>l lo<span class=\"_ _6\"></span>ans m<span class=\"_ _6\"></span>ade<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb4a h5 y2b90 ff55 fs3 fc2 sc0 ls12 ws16\">th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm in t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K an<span class=\"_ _6\"></span>d Flexi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b91 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Foc<span class=\"_ _6\"></span>al Po<span class=\"_ _6\"></span>int Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"t m0 xb4a h5 y2b91 ff55 fs3 fc2 sc0 ls12 ws16\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y via w<span class=\"_ _6\"></span>hich C<span class=\"_ _6\"></span>BI<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans are o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d and w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h ho<span class=\"_ _6\"></span>lds l<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le to l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s </td></tr><tr><td class=\"t m0 x250 h5 y2b92 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b92 ff55 fs3 fc2 sc0 ls12 ws16\">whi<span class=\"_ _6\"></span>ch are h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d via t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res for t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>cial o<span class=\"_ _6\"></span>wne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip of in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b93 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ecli<span class=\"_ _6\"></span>pse Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"t m0 xb4a h5 y2b93 ff55 fs3 fc2 sc0 ls12 ws16\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y via w<span class=\"_ _6\"></span>hich R<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>re or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d whi<span class=\"_ _6\"></span>ch ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>s leg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le to l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns wh<span class=\"_ _6\"></span>ich </td></tr><tr><td class=\"t m0 x250 h5 y2b94 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b94 ff55 fs3 fc2 sc0 ls12 ws16\">are he<span class=\"_ _6\"></span>ld v<span class=\"_ _6\"></span>ia t<span class=\"_ _6\"></span>rus<span class=\"_ _6\"></span>t s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ture<span class=\"_ _6\"></span>s for th<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>al ow<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p of ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b95 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Pol<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>s Lend<span class=\"_ _6\"></span>ing </td><td class=\"t m0 xb4a h5 y2b95 ff55 fs3 fc2 sc0 lsd5 wsfa\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>vi<span class=\"_ _6\"></span>a which RLS an<span class=\"_ _6\"></span>d GGS loa<span class=\"_ _6\"></span>ns are orig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ated an<span class=\"_ _6\"></span>d which ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>s lega<span class=\"_ _6\"></span>l ti<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>e to <span class=\"_ _0\"></span>loa<span class=\"_ _6\"></span>ns </td></tr><tr><td class=\"t m0 x250 h5 y2b96 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b96 ff55 fs3 fc2 sc0 lsd5 wsfa\">whi<span class=\"_ _6\"></span>ch are hel<span class=\"_ _6\"></span>d via tru<span class=\"_ _6\"></span>st st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>s f<span class=\"_ _0\"></span>or th<span class=\"_ _6\"></span>e bene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l owner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>of ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28e0 w5ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e De<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>sch<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d Gm<span class=\"_ _6\"></span>bH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb4b y28e0 w61f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d the Fu<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m in G<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>any an<span class=\"_ _6\"></span>d ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s lo<span class=\"_ _6\"></span>ans.<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ne<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd B.<span class=\"_ _0\"></span>V<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb4c y280f w620 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rate<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm in t<span class=\"_ _6\"></span>he N<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>her<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nds a<span class=\"_ _6\"></span>nd se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ces lo<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>.</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCompositionOfGroupExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-472": {
   "value": "Investments in subsidiaries<span class=\"_ _2f2\"> </span>The G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p had t<span class=\"_ _6\"></span>he fo<span class=\"_ _6\"></span>llow<span class=\"_ _6\"></span>ing s<span class=\"_ _6\"></span>ubs<span class=\"_ _6\"></span>idi<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ies, a<span class=\"_ _6\"></span>ll of w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h have be<span class=\"_ _6\"></span>en in<span class=\"_ _6\"></span>clu<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d in t<span class=\"_ _6\"></span>hes<span class=\"_ _6\"></span>e con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anc<span class=\"_ _6\"></span>ial s<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>ts. Th<span class=\"_ _6\"></span>e pro<span class=\"_ _6\"></span>por<span class=\"_ _5\"></span>tio<span class=\"_ _6\"></span>n of t<span class=\"_ _6\"></span>he vot<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g rig<span class=\"_ _6\"></span>ht<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y und<span class=\"_ _6\"></span>er<span class=\"_ _5\"></span>tak<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>gs he<span class=\"_ _6\"></span>ld di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>y by the C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pa<span class=\"_ _6\"></span>ny does n<span class=\"_ _6\"></span>ot d<span class=\"_ _6\"></span>if<span class=\"_ _5\"></span>fer fro<span class=\"_ _6\"></span>m the p<span class=\"_ _6\"></span>rop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of ordinary shares<span class=\"_ _0\"></span> held.<span class=\"_ _2f2\"> </span><table class=\"s w5d2 he8\" id=\"_eb11f4fd-3b8e-4291-8cb5-f0cdfb01f18d\"><tr><td></td><td class=\"t m0 xae2 h28 y2b4f ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xae3 h28 y2b50 ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation</td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xae3 h28 y2b51 ff56 fs19 fc2 sc0 lscb wsef\"> and principal<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae4 h28 y2b51 ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae5 h28 y2b51 ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/</td><td></td></tr><tr><td></td><td class=\"t m0 xae6 h28 y2b52 ff56 fs19 fc2 sc0 ls12 ws16\"> pl<span class=\"_ _6\"></span>ac<span class=\"_ _6\"></span>e of</td><td class=\"t m0 xae7 h28 y2b52 ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x416 h28 y2b52 ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x250 h28 y2b53 ff55 fs19 fc2 sc0 lsc9 wsed\">Subsidiary under<span class=\"_ _6\"></span>takings</td><td class=\"t m0 xae8 h28 y2b53 ff55 fs19 fc2 sc0 lsc9 wsed\"> business<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xae9 h28 y2b53 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xaea y2b54 w5d3 h96\"><div class=\"t m0 x1b5 h28 y286d ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaeb y2b54 w5d4 h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>ste<span class=\"_ _6\"></span>red o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b55 w5d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ltd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaec y2b55 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaed y2b55 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaee y2b55 w5d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaef y2b55 w5d8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">7<span class=\"_ _6\"></span>1 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ia S<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>, Londo<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b56 w5d9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e BB Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf0 y2b56 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf1 y2b56 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf2 y2b56 w5da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf3 y2b56 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b57 w5dc h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ecli<span class=\"_ _6\"></span>pse Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf4 y2b57 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf5 y2b57 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf6 y2b57 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf7 y2b57 w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b58 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Foc<span class=\"_ _6\"></span>al Po<span class=\"_ _6\"></span>int Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"c n x8bc y2b59 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf8 y2b59 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaf9 y2b59 w5da h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafa y2b59 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x250 h5 y2b5a ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1be y2b5b w5df h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Gl<span class=\"_ _6\"></span>oba<span class=\"_ _6\"></span>l Par<span class=\"_ _5\"></span>tne<span class=\"_ _6\"></span>rs Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafb y2b5b w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafc y2b5b w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafd y2b5b w5e0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xafe y2b5b w5e1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">7<span class=\"_ _6\"></span>1 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>ia S<span class=\"_ _6\"></span>tre<span class=\"_ _6\"></span>et, Lon<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b5c w5e2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>tee Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xaff y2b5c w5e3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb00 y2b5c w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>00%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb01 y2b5c w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb02 y2b5c w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b5d w5e4 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Ma<span class=\"_ _6\"></span>de T<span class=\"_ _0\"></span>o Do Mo<span class=\"_ _6\"></span>re Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb03 y2b5d w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb04 y2b5d w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>00%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb05 y2b5d w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb06 y2b5d w5de h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vi<span class=\"_ _6\"></span>cto<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC<span class=\"_ _6\"></span>4V 4A<span class=\"_ _b\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2973 w5e6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Pol<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>s Lend<span class=\"_ _6\"></span>ing L<span class=\"_ _6\"></span>imi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb07 y2973 w5d6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">UK<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb08 y2973 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb09 y2973 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0a y2973 w5db h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Qu<span class=\"_ _6\"></span>ee<span class=\"_ _6\"></span>n Vic<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>ria S<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>reet<span class=\"_ _6\"></span>, Lond<span class=\"_ _6\"></span>on EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b19 w5e7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e CE G<span class=\"_ _6\"></span>mbH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0b y2b19 w5e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">Germany<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0c y2b19 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0d y2b19 w5d7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls39 ws42\">D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0e y2b19 w5e9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Rhe<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>a\u00dfe 11, 1<span class=\"_ _6\"></span>4513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>tow<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2975 w5ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e De<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>sch<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d Gm<span class=\"_ _6\"></span>bH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb0f y2975 w5eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">German<span class=\"_ _0\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb10 y2975 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb11 y2975 w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb12 y2975 w5ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>\u00dfe 11, 14<span class=\"_ _6\"></span>513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>lto<span class=\"_ _6\"></span>w<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b8 w5ed h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Co<span class=\"_ _6\"></span>nne<span class=\"_ _6\"></span>ct G<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>H<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb13 y28b8 w5eb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">German<span class=\"_ _0\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb14 y28b8 w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb15 y28b8 w5dd h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indir<span class=\"_ _0\"></span>ectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb16 y28b8 w5ee h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Rh<span class=\"_ _6\"></span>eins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ra\u00dfe 1<span class=\"_ _6\"></span>1, 14513 T<span class=\"_ _0\"></span>el<span class=\"_ _6\"></span>tow<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y28b9 w5ef h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">FC<span class=\"_ _0\"></span> Forderungsma<span class=\"_ _0\"></span>nagement GmbH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb17 y28b9 w5e8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsdd ws90\">Germany<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb18 y28b9 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb19 y28b9 w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1a y28b9 w5ec h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>hei<span class=\"_ _6\"></span>ns<span class=\"_ _6\"></span>tra<span class=\"_ _6\"></span>\u00dfe 11, 14<span class=\"_ _6\"></span>513 T<span class=\"_ _b\"></span>e<span class=\"_ _6\"></span>lto<span class=\"_ _6\"></span>w<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ne<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd B.<span class=\"_ _0\"></span>V<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1b y280f w5f1 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Net<span class=\"_ _6\"></span>herlands<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1c y280f w17d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">1<span class=\"_ _6\"></span>0<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1d y280f w5f2 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">In<span class=\"_ _6\"></span>directly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb1e y280f w5f3 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls29 ws87\">71 Que<span class=\"_ _6\"></span>en V<span class=\"_ _6\"></span>ict<span class=\"_ _6\"></span>ori<span class=\"_ _6\"></span>a St<span class=\"_ _6\"></span>ree<span class=\"_ _6\"></span>t, Lon<span class=\"_ _6\"></span>do<span class=\"_ _6\"></span>n EC4V 4A<span class=\"_ _0\"></span>Y<span class=\"_ _2f2\"> </span></div></td></tr></table>In<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>es<span class=\"_ _6\"></span>t in ot<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>r en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span>S<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>cht<span class=\"_ _6\"></span>ing D<span class=\"_ _6\"></span>erd<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>gel<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>n Fundi<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle i<span class=\"_ _6\"></span>s not a d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t or i<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Hol<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ngs p<span class=\"_ _6\"></span>lc bu<span class=\"_ _6\"></span>t is a<span class=\"_ _6\"></span>n ind<span class=\"_ _6\"></span>ep<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t sp<span class=\"_ _6\"></span>eci<span class=\"_ _6\"></span>al pu<span class=\"_ _6\"></span>rp<span class=\"_ _6\"></span>ose fo<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion <span class=\"_ _6\"></span>whi<span class=\"_ _6\"></span>ch is re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>red in <span class=\"_ _6\"></span>the N<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>rl<span class=\"_ _6\"></span>and<span class=\"_ _6\"></span>s to sa<span class=\"_ _6\"></span>fegu<span class=\"_ _6\"></span>ard b<span class=\"_ _6\"></span>orrow<span class=\"_ _6\"></span>er an<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tor f<span class=\"_ _6\"></span>und<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>s con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted as i<span class=\"_ _6\"></span>t is co<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>roll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he G<span class=\"_ _6\"></span>roup. T<span class=\"_ _6\"></span>he reg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tered o<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ice a<span class=\"_ _6\"></span>dd<span class=\"_ _6\"></span>ress is A<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>ium<span class=\"_ _6\"></span>, S<span class=\"_ _6\"></span>traw<span class=\"_ _6\"></span>ins<span class=\"_ _6\"></span>k<span class=\"_ _6\"></span>yla<span class=\"_ _6\"></span>an 3<span class=\"_ _6\"></span>075, 4th Fl<span class=\"_ _6\"></span>oo<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>, 1077 Z<span class=\"_ _6\"></span>X A<span class=\"_ _6\"></span>ms<span class=\"_ _6\"></span>terda<span class=\"_ _6\"></span>m.<span class=\"_ _2f2\"> </span>The Fun<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle H<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ngs Em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyee Be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t was es<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>abl<span class=\"_ _6\"></span>ish<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n 14 Se<span class=\"_ _6\"></span>ptem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r 2018. T<span class=\"_ _6\"></span>he p<span class=\"_ _6\"></span>urp<span class=\"_ _6\"></span>ose o<span class=\"_ _6\"></span>f th<span class=\"_ _6\"></span>e tr<span class=\"_ _6\"></span>ust <span class=\"_ _6\"></span>is to fa<span class=\"_ _6\"></span>cili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ate t<span class=\"_ _6\"></span>he a<span class=\"_ _6\"></span>cqu<span class=\"_ _6\"></span>isi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on of s<span class=\"_ _6\"></span>hare<span class=\"_ _6\"></span>s in t<span class=\"_ _6\"></span>he Co<span class=\"_ _6\"></span>mp<span class=\"_ _6\"></span>any by<span class=\"_ _0\"></span>, or for t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>t of, exis<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>nd f<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>ure em<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>oyees of <span class=\"_ _6\"></span>the C<span class=\"_ _6\"></span>om<span class=\"_ _6\"></span>pany a<span class=\"_ _6\"></span>nd Gro<span class=\"_ _6\"></span>up su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>es an<span class=\"_ _6\"></span>d is con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d as i<span class=\"_ _6\"></span>t is con<span class=\"_ _6\"></span>tro<span class=\"_ _6\"></span>ll<span class=\"_ _6\"></span>ed by t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up.<span class=\"_ _2f2\"> </span>Co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>d ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>tie<span class=\"_ _6\"></span>s: Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess O<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>nat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n Loan T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2019<span class=\"_ _6\"></span>-3 D<span class=\"_ _0\"></span>AC, Grea<span class=\"_ _6\"></span>t T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y Len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g 1 DAC, Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess Lend<span class=\"_ _6\"></span>ing T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 201<span class=\"_ _6\"></span>9-A, S<span class=\"_ _6\"></span>mal<span class=\"_ _6\"></span>l Bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss Len<span class=\"_ _6\"></span>din<span class=\"_ _6\"></span>g Gr<span class=\"_ _6\"></span>anto<span class=\"_ _6\"></span>r T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>us<span class=\"_ _6\"></span>t 2019<span class=\"_ _6\"></span>-<span class=\"_ _0\"></span>A<span class=\"_ _6\"></span>, Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess Le<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2020-A <span class=\"_ _0\"></span>an<span class=\"_ _6\"></span>d Sma<span class=\"_ _6\"></span>ll Bu<span class=\"_ _6\"></span>sin<span class=\"_ _6\"></span>ess Lend<span class=\"_ _6\"></span>ing G<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ntor T<span class=\"_ _0\"></span>rus<span class=\"_ _6\"></span>t 2020-A were con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ured w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e and s<span class=\"_ _6\"></span>ecu<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>sa<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>n en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es wh<span class=\"_ _6\"></span>ich e<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>her h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d SME l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>n ass<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>s in a ware<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>use o<span class=\"_ _6\"></span>r hol<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>lio of S<span class=\"_ _6\"></span>ME l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s and i<span class=\"_ _6\"></span>ssu<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>ond<span class=\"_ _6\"></span>s af<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r se<span class=\"_ _6\"></span>cur<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>ati<span class=\"_ _6\"></span>on h<span class=\"_ _6\"></span>as occ<span class=\"_ _6\"></span>urre<span class=\"_ _6\"></span>d. O<span class=\"_ _6\"></span>nly S<span class=\"_ _6\"></span>mal<span class=\"_ _6\"></span>l Bus<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>ss Or<span class=\"_ _6\"></span>ig<span class=\"_ _6\"></span>ina<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on Loa<span class=\"_ _6\"></span>n T<span class=\"_ _b\"></span>r<span class=\"_ _6\"></span>ust 20<span class=\"_ _6\"></span>19-3 DAC whi<span class=\"_ _6\"></span>ch is in l<span class=\"_ _6\"></span>iq<span class=\"_ _6\"></span>uid<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>ion re<span class=\"_ _6\"></span>mai<span class=\"_ _6\"></span>ns co<span class=\"_ _6\"></span>nso<span class=\"_ _6\"></span>lid<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d at 31 D<span class=\"_ _6\"></span>ece<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er 2025 wi<span class=\"_ _6\"></span>th t<span class=\"_ _6\"></span>he rem<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ing e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s de<span class=\"_ _6\"></span>con<span class=\"_ _6\"></span>sol<span class=\"_ _6\"></span>id<span class=\"_ _6\"></span>ated o<span class=\"_ _6\"></span>r dis<span class=\"_ _6\"></span>so<span class=\"_ _6\"></span>lved d<span class=\"_ _6\"></span>uri<span class=\"_ _6\"></span>ng 2024.<span class=\"_ _2f2\"> </span>Kan<span class=\"_ _6\"></span>al<span class=\"_ _6\"></span>oa 2 Li<span class=\"_ _6\"></span>mi<span class=\"_ _6\"></span>ted (\u201c<span class=\"_ _6\"></span>K<span class=\"_ _6\"></span>2\u201d) i<span class=\"_ _6\"></span>s a cons<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>ida<span class=\"_ _6\"></span>ted U<span class=\"_ _6\"></span>K lever<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>ed S<span class=\"_ _6\"></span>PV ware<span class=\"_ _6\"></span>ho<span class=\"_ _6\"></span>use t<span class=\"_ _6\"></span>hat h<span class=\"_ _6\"></span>as be<span class=\"_ _6\"></span>en s<span class=\"_ _6\"></span>et up w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h t<span class=\"_ _6\"></span>he in<span class=\"_ _6\"></span>tent<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of fu<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ine<span class=\"_ _6\"></span>s of cre<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>t and w<span class=\"_ _6\"></span>as tem<span class=\"_ _6\"></span>por<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ily u<span class=\"_ _6\"></span>sed t<span class=\"_ _6\"></span>o fun<span class=\"_ _6\"></span>d sh<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>-te<span class=\"_ _6\"></span>rm lo<span class=\"_ _6\"></span>ans t<span class=\"_ _6\"></span>hro<span class=\"_ _6\"></span>ugh t<span class=\"_ _6\"></span>he u<span class=\"_ _6\"></span>se of a se<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>or le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>ing f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. The e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies a<span class=\"_ _6\"></span>re, or we<span class=\"_ _6\"></span>re, ban<span class=\"_ _6\"></span>kr<span class=\"_ _6\"></span>up<span class=\"_ _6\"></span>tcy rem<span class=\"_ _6\"></span>ote sp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ial p<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>e vehic<span class=\"_ _6\"></span>les a<span class=\"_ _6\"></span>nd as s<span class=\"_ _6\"></span>uch t<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>re is no re<span class=\"_ _6\"></span>qui<span class=\"_ _6\"></span>reme<span class=\"_ _6\"></span>nt fo<span class=\"_ _6\"></span>r the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p to provi<span class=\"_ _6\"></span>de f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al s<span class=\"_ _6\"></span>upp<span class=\"_ _6\"></span>or<span class=\"_ _5\"></span>t to the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>. The e<span class=\"_ _6\"></span>nti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies<span class=\"_ _6\"></span>\u2019 ac<span class=\"_ _6\"></span>tiv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>s are no<span class=\"_ _6\"></span>t gover<span class=\"_ _6\"></span>ned by vo<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ng r<span class=\"_ _6\"></span>igh<span class=\"_ _6\"></span>ts an<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p has a<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>sse<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>at i<span class=\"_ _6\"></span>t has po<span class=\"_ _6\"></span>wer over th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es bas<span class=\"_ _6\"></span>ed o<span class=\"_ _6\"></span>n the p<span class=\"_ _6\"></span>ur<span class=\"_ _6\"></span>pos<span class=\"_ _6\"></span>e and de<span class=\"_ _6\"></span>sig<span class=\"_ _6\"></span>n of th<span class=\"_ _6\"></span>e ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y and a<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y to d<span class=\"_ _6\"></span>irec<span class=\"_ _6\"></span>t th<span class=\"_ _6\"></span>e relev<span class=\"_ _6\"></span>ant a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ivi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies of t<span class=\"_ _6\"></span>he en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>, the na<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>re of th<span class=\"_ _6\"></span>e rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>onsh<span class=\"_ _6\"></span>ip wi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>h the e<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y a<span class=\"_ _6\"></span>nd th<span class=\"_ _6\"></span>e size of it<span class=\"_ _6\"></span>s expo<span class=\"_ _6\"></span>sure to t<span class=\"_ _6\"></span>he va<span class=\"_ _6\"></span>ria<span class=\"_ _6\"></span>bil<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y of the re<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>rns f<span class=\"_ _6\"></span>rom ea<span class=\"_ _6\"></span>ch en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span>As ex<span class=\"_ _6\"></span>pl<span class=\"_ _6\"></span>ain<span class=\"_ _6\"></span>ed in n<span class=\"_ _6\"></span>ote 1<span class=\"_ _6\"></span>6, t<span class=\"_ _6\"></span>he Gro<span class=\"_ _6\"></span>up ex<span class=\"_ _6\"></span>per<span class=\"_ _6\"></span>ie<span class=\"_ _6\"></span>nces c<span class=\"_ _6\"></span>red<span class=\"_ _6\"></span>it r<span class=\"_ _6\"></span>isk i<span class=\"_ _6\"></span>n rela<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on to t<span class=\"_ _6\"></span>he SM<span class=\"_ _6\"></span>E lo<span class=\"_ _6\"></span>an as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s an<span class=\"_ _6\"></span>d Flex<span class=\"_ _6\"></span>iPay l<span class=\"_ _6\"></span>ines o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it n<span class=\"_ _6\"></span>et of ba<span class=\"_ _6\"></span>nk bo<span class=\"_ _6\"></span>rrow<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s, an<span class=\"_ _6\"></span>d inte<span class=\"_ _6\"></span>rest r<span class=\"_ _6\"></span>ate ri<span class=\"_ _6\"></span>sk in re<span class=\"_ _6\"></span>lat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n to the w<span class=\"_ _6\"></span>areh<span class=\"_ _6\"></span>ous<span class=\"_ _6\"></span>e loa<span class=\"_ _6\"></span>n fac<span class=\"_ _6\"></span>ili<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ies wh<span class=\"_ _6\"></span>ich is p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>tia<span class=\"_ _6\"></span>lly mi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>iga<span class=\"_ _6\"></span>ted t<span class=\"_ _6\"></span>hrou<span class=\"_ _6\"></span>gh t<span class=\"_ _6\"></span>he us<span class=\"_ _6\"></span>e of derivativ<span class=\"_ _0\"></span>e financial<span class=\"_ _0\"></span> instruments.<span class=\"_ _2f2\"> </span>The p<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>pal a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ies o<span class=\"_ _6\"></span>f the G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s mos<span class=\"_ _6\"></span>t si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>ant su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y un<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>ki<span class=\"_ _6\"></span>ngs a<span class=\"_ _6\"></span>re set o<span class=\"_ _6\"></span>ut b<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>ow<span class=\"_ _0\"></span>. The<span class=\"_ _6\"></span>se are co<span class=\"_ _6\"></span>nsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red si<span class=\"_ _6\"></span>gni<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ica<span class=\"_ _6\"></span>nt i<span class=\"_ _6\"></span>n the c<span class=\"_ _6\"></span>ontex<span class=\"_ _5\"></span>t of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p\u2019s bus<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ess, re<span class=\"_ _6\"></span>sul<span class=\"_ _6\"></span>ts a<span class=\"_ _6\"></span>nd f<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>anci<span class=\"_ _6\"></span>al p<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on.<span class=\"_ _2f2\"> </span><table class=\"s w61b hee\" id=\"_1c4c59b2-4896-4747-9ce6-588658dcc9c4\"><tr><td class=\"c n x1be y2b8e w61c h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 lsc9 wsed\">Subsidiary under<span class=\"_ _6\"></span>takings<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb48 y2b8e w61d h96\"><div class=\"t m0 x1b5 h28 y286d ff55 fs19 fc2 sc0 ls12 ws16\">Pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al a<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>iv<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8f w5d5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ltd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb49 y2b8f w61e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Ac<span class=\"_ _6\"></span>ts as f<span class=\"_ _6\"></span>aci<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>ta<span class=\"_ _6\"></span>tor an<span class=\"_ _6\"></span>d pe<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>ms in<span class=\"_ _6\"></span>ter<span class=\"_ _6\"></span>med<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ices i<span class=\"_ _6\"></span>n resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t of al<span class=\"_ _6\"></span>l lo<span class=\"_ _6\"></span>ans m<span class=\"_ _6\"></span>ade<span class=\"_ _2f2\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xb4a h5 y2b90 ff55 fs3 fc2 sc0 ls12 ws16\">th<span class=\"_ _6\"></span>roug<span class=\"_ _6\"></span>h th<span class=\"_ _6\"></span>e Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm in t<span class=\"_ _6\"></span>he U<span class=\"_ _6\"></span>K an<span class=\"_ _6\"></span>d Flexi<span class=\"_ _6\"></span>Pay li<span class=\"_ _6\"></span>nes o<span class=\"_ _6\"></span>f cred<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b91 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Foc<span class=\"_ _6\"></span>al Po<span class=\"_ _6\"></span>int Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"t m0 xb4a h5 y2b91 ff55 fs3 fc2 sc0 ls12 ws16\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y via w<span class=\"_ _6\"></span>hich C<span class=\"_ _6\"></span>BI<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans are o<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>gin<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d and w<span class=\"_ _6\"></span>hic<span class=\"_ _6\"></span>h ho<span class=\"_ _6\"></span>lds l<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le to l<span class=\"_ _6\"></span>oan<span class=\"_ _6\"></span>s </td></tr><tr><td class=\"t m0 x250 h5 y2b92 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b92 ff55 fs3 fc2 sc0 ls12 ws16\">whi<span class=\"_ _6\"></span>ch are h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d via t<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>st s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>res for t<span class=\"_ _6\"></span>he b<span class=\"_ _6\"></span>ene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>cial o<span class=\"_ _6\"></span>wne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip of in<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>u<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ona<span class=\"_ _6\"></span>l inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b93 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ecli<span class=\"_ _6\"></span>pse Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng </td><td class=\"t m0 xb4a h5 y2b93 ff55 fs3 fc2 sc0 ls12 ws16\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y via w<span class=\"_ _6\"></span>hich R<span class=\"_ _6\"></span>LS lo<span class=\"_ _6\"></span>ans a<span class=\"_ _6\"></span>re or<span class=\"_ _6\"></span>igi<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d an<span class=\"_ _6\"></span>d whi<span class=\"_ _6\"></span>ch ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>s leg<span class=\"_ _6\"></span>al t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>le to l<span class=\"_ _6\"></span>oa<span class=\"_ _6\"></span>ns wh<span class=\"_ _6\"></span>ich </td></tr><tr><td class=\"t m0 x250 h5 y2b94 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b94 ff55 fs3 fc2 sc0 ls12 ws16\">are he<span class=\"_ _6\"></span>ld v<span class=\"_ _6\"></span>ia t<span class=\"_ _6\"></span>rus<span class=\"_ _6\"></span>t s<span class=\"_ _6\"></span>tr<span class=\"_ _6\"></span>uc<span class=\"_ _6\"></span>ture<span class=\"_ _6\"></span>s for th<span class=\"_ _6\"></span>e be<span class=\"_ _6\"></span>nef<span class=\"_ _6\"></span>ici<span class=\"_ _6\"></span>al ow<span class=\"_ _6\"></span>ner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p of ins<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>nal i<span class=\"_ _6\"></span>nvesto<span class=\"_ _6\"></span>rs.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h5 y2b95 ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Pol<span class=\"_ _6\"></span>ari<span class=\"_ _6\"></span>s Lend<span class=\"_ _6\"></span>ing </td><td class=\"t m0 xb4a h5 y2b95 ff55 fs3 fc2 sc0 lsd5 wsfa\">Sub<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>vi<span class=\"_ _6\"></span>a which RLS an<span class=\"_ _6\"></span>d GGS loa<span class=\"_ _6\"></span>ns are orig<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>ated an<span class=\"_ _6\"></span>d which ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>s lega<span class=\"_ _6\"></span>l ti<span class=\"_ _6\"></span>tl<span class=\"_ _6\"></span>e to <span class=\"_ _0\"></span>loa<span class=\"_ _6\"></span>ns </td></tr><tr><td class=\"t m0 x250 h5 y2b96 ff55 fs3 fc2 sc0 ls24 ws2c\">Limi<span class=\"_ _6\"></span>te<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb4a h5 y2b96 ff55 fs3 fc2 sc0 lsd5 wsfa\">whi<span class=\"_ _6\"></span>ch are hel<span class=\"_ _6\"></span>d via tru<span class=\"_ _6\"></span>st st<span class=\"_ _6\"></span>ru<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ure<span class=\"_ _6\"></span>s f<span class=\"_ _0\"></span>or th<span class=\"_ _6\"></span>e bene<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l owner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>of ins<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>tu<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>ion<span class=\"_ _6\"></span>al inves<span class=\"_ _6\"></span>tors<span class=\"_ _6\"></span>.<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y28e0 w5ea h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e De<span class=\"_ _6\"></span>ut<span class=\"_ _6\"></span>sch<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d Gm<span class=\"_ _6\"></span>bH<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb4b y28e0 w61f h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Op<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d the Fu<span class=\"_ _6\"></span>ndi<span class=\"_ _6\"></span>ng Ci<span class=\"_ _6\"></span>rcle p<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>for<span class=\"_ _6\"></span>m in G<span class=\"_ _6\"></span>erm<span class=\"_ _6\"></span>any an<span class=\"_ _6\"></span>d ser<span class=\"_ _6\"></span>v<span class=\"_ _6\"></span>ice<span class=\"_ _6\"></span>s lo<span class=\"_ _6\"></span>ans.<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e Ne<span class=\"_ _6\"></span>der<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd B.<span class=\"_ _0\"></span>V<span class=\"_ _b\"></span>.<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb4c y280f w620 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>pe<span class=\"_ _6\"></span>rate<span class=\"_ _6\"></span>d th<span class=\"_ _6\"></span>e Fund<span class=\"_ _6\"></span>ing C<span class=\"_ _6\"></span>ircl<span class=\"_ _6\"></span>e pl<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>rm in t<span class=\"_ _6\"></span>he N<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>her<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nds a<span class=\"_ _6\"></span>nd se<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>ces lo<span class=\"_ _6\"></span>ans<span class=\"_ _6\"></span>.</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-473": {
   "value": "Investments in associates<span class=\"_ _2f2\"> </span>Se<span class=\"_ _6\"></span>t out be<span class=\"_ _6\"></span>low are the ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>of th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>Gro<span class=\"_ _6\"></span>up as at 31 <span class=\"_ _0\"></span>De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>2025 <span class=\"_ _0\"></span>whi<span class=\"_ _6\"></span>ch, in th<span class=\"_ _6\"></span>e opin<span class=\"_ _6\"></span>ion of th<span class=\"_ _6\"></span>e Direc<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s, are mater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l to <span class=\"_ _0\"></span>the Gro<span class=\"_ _6\"></span>up.<span class=\"_ _6\"></span> The en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es lis<span class=\"_ _6\"></span>ted be<span class=\"_ _6\"></span>low have share c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al cons<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g sole<span class=\"_ _6\"></span>ly of ordi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares, wh<span class=\"_ _6\"></span>ich are hel<span class=\"_ _6\"></span>d dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e Group. The co<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n or <span class=\"_ _0\"></span>reg<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on is also th<span class=\"_ _6\"></span>eir pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al pla<span class=\"_ _6\"></span>ce of busi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s, and th<span class=\"_ _6\"></span>e prop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of <span class=\"_ _0\"></span>owne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t is <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e same as th<span class=\"_ _6\"></span>e proport<span class=\"_ _6\"></span>ion<span class=\"_ _0\"></span> of v<span class=\"_ _0\"></span>oting rights<span class=\"_ _0\"></span> held.<span class=\"_ _2f2\"> </span><table class=\"s w5f4 he9\" id=\"_bff46650-dc62-4674-b4a0-eabd89a39197\"><tr><td></td><td></td><td class=\"t m0 xb1f h28 y2b5e ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb20 h28 y2b5e ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x89a h28 y2b5f ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td class=\"t m0 x2a7 h28 y2b5f ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7bf h28 y2b5f ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x1b9 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">Associate entity name<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x873 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7c4 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xb21 y2b61 w5d3 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb22 y2b61 w5f5 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>d of<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>e ad<span class=\"_ _6\"></span>dre<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Fund<span class=\"_ _6\"></span>ing Ci<span class=\"_ _6\"></span>rcle UK SM<span class=\"_ _6\"></span>E Direc<span class=\"_ _6\"></span>t Lendi<span class=\"_ _6\"></span>ng Fund<span class=\"_ _6\"></span>\u00b9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb23 y280f w5f7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">I<span class=\"_ _6\"></span>rela<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb24 y280f w5f8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">8%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb25 y280f w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb26 y280f w5f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">70, Sir J<span class=\"_ _6\"></span>oh<span class=\"_ _6\"></span>n Rog<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>on\u2019s Q<span class=\"_ _6\"></span>uay<span class=\"_ _0\"></span>, Dub<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>n 2, Irel<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>P<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>su<span class=\"_ _6\"></span>b-f<span class=\"_ _6\"></span>und<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>vi<span class=\"_ _6\"></span>a<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>Fun<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng<span class=\"_ gs546\"> </span>C<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>cl<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ICAV,<span class=\"_ gs546\"> </span>an<span class=\"_ gs546\"> </span>Ir<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve<span class=\"_ gs546\"> </span>as<span class=\"_ _6\"></span>set<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>veh<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ute<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>as<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>um<span class=\"_ _6\"></span>br<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>la<span class=\"_ gs546\"> </span>fu<span class=\"_ _6\"></span>nd<span class=\"_ gs546\"> </span>w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ad<span class=\"_ _6\"></span>dr<span class=\"_ _6\"></span>ess<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>70<span class=\"_ _6\"></span>,<span class=\"_ gs546\"> </span>Si<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>Joh<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>Ro<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>rs<span class=\"_ _6\"></span>on\u2019<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>Qu<span class=\"_ _6\"></span>ay,<span class=\"_ gs546\"> </span>Dub<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>2,<span class=\"_ gs546\"> </span>I<span class=\"_ _6\"></span>rel<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>The a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>bove dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow, whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d par<span class=\"_ _5\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span><table class=\"s w5fa hea\" id=\"_d2a58f09-ec9a-44bd-9244-fe312c03b8fb\"><tr><td></td><td></td><td></td><td class=\"t m0 x6d7 h28 y2b62 ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac4 h28 y2b62 ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x376 h28 y2b63 ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td></td><td class=\"t m0 xb27 h28 y2b63 ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x29f h28 y2b63 ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x1b9 h28 y2b64 ff56 fs19 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty n<span class=\"_ _6\"></span>am<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"c n xb28 y2b65 w5fb h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb29 y2b65 w5fc h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Relationship</div></td><td class=\"t m0 xb20 h28 y2b64 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xb2a y2b65 w5d3 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2b y2b65 w5fd h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e ad<span class=\"_ _6\"></span>dres<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2b66 ff55 fs3 fc2 sc0 ls3d ws47\">Throgmorton Lending<span class=\"_ _0\"></span> Designated </td><td class=\"c n xb2c y2a31 w5fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">Ire<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2d y2a31 w5ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Subsidiary<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2e y2a31 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2f y2a31 w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb30 y2a31 w600 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">70, S<span class=\"_ _6\"></span>ir Jo<span class=\"_ _6\"></span>hn Ro<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>rso<span class=\"_ _6\"></span>n\u2019s Qu<span class=\"_ _6\"></span>ay<span class=\"_ _b\"></span>,<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2b67 ff56 fs3 fc2 sc0 lsdf ws107\">Activit<span class=\"_ _6\"></span>y Company<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 xb31 h5 y2b67 ff56 fs3 fc2 sc0 ls81 wsad\">of associate</td><td></td><td></td><td class=\"t m0 x1ae h5 y2b67 ff55 fs3 fc2 sc0 ls12 ws16\"> Du<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>n 2, Ire<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td></tr></table>The ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es below provi<span class=\"_ _6\"></span>de summ<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al infor<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>for tho<span class=\"_ _6\"></span>se asso<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>es that are mater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l <span class=\"_ _0\"></span>to the Grou<span class=\"_ _6\"></span>p. <span class=\"_ _0\"></span>The infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on discl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span> ref<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts prese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>in the fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l <span class=\"_ _0\"></span>st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts of the releva<span class=\"_ _6\"></span>nt asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes and not Fundi<span class=\"_ _6\"></span>ng Circl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>Ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>pl<span class=\"_ _6\"></span>c\u2019s share of <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span> amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts. They have <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>en amen<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>to refle<span class=\"_ _6\"></span>ct ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s made by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>wh<span class=\"_ _6\"></span>en usin<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>me<span class=\"_ _6\"></span>tho<span class=\"_ _6\"></span>d, inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ing mo<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns for di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>in acco<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. <span class=\"_ _0\"></span>Whi<span class=\"_ _6\"></span>le the Grou<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>ho<span class=\"_ _6\"></span>lds les<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>an 20% <span class=\"_ _0\"></span>owner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>in Fundi<span class=\"_ _6\"></span>ng Circl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>UK SME Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>Lend<span class=\"_ _6\"></span>ing Fund I, the<span class=\"_ _6\"></span> Gro<span class=\"_ _6\"></span>up consi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>rs that it has sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt infl<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nce over <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y throu<span class=\"_ _6\"></span>gh repres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>on it<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>Bo<span class=\"_ _6\"></span>ard and so <span class=\"_ _0\"></span>con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>to accou<span class=\"_ _6\"></span>nt for <span class=\"_ _0\"></span>i<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>as<span class=\"_ _6\"></span> an asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>te inste<span class=\"_ _6\"></span>ad of <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>. The <span class=\"_ _0\"></span>ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates are sub<span class=\"_ _6\"></span>-fu<span class=\"_ _6\"></span>nds whi<span class=\"_ _6\"></span>ch invest in SME loan<span class=\"_ _6\"></span>s, and the Grou<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>is expos<span class=\"_ _6\"></span>ed to <span class=\"_ _0\"></span>def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span> an<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>prep<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt ris<span class=\"_ _6\"></span>k <span class=\"_ _0\"></span>wi<span class=\"_ _6\"></span>th resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>to the per<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce of the und<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>lyin<span class=\"_ _6\"></span>g loan<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>in the ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates, to the ex<span class=\"_ _6\"></span>tent th<span class=\"_ _6\"></span>at the sha<span class=\"_ _6\"></span>re <span class=\"_ _0\"></span>of profi<span class=\"_ _6\"></span>t from<span class=\"_ _6\"></span> ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates may dimi<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>h. The <span class=\"_ _0\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>low ill<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes the Grou<span class=\"_ _6\"></span>p\u2019s <span class=\"_ _0\"></span>ma<span class=\"_ _6\"></span>xim<span class=\"_ _6\"></span>um expos<span class=\"_ _6\"></span>ure to <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt in asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes which repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ts the<span class=\"_ _6\"></span> val<span class=\"_ _6\"></span>ue on the Group ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce she<span class=\"_ _6\"></span>et. The val<span class=\"_ _6\"></span>ue of <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt is <span class=\"_ _0\"></span>de<span class=\"_ _6\"></span>rive<span class=\"_ _6\"></span>d from net asse<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>val<span class=\"_ _6\"></span>ue st<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s from the sub<span class=\"_ _6\"></span>-fu<span class=\"_ _6\"></span>nds; however, be<span class=\"_ _6\"></span>ing pr<span class=\"_ _6\"></span>ivat<span class=\"_ _6\"></span>e, <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>ese are <span class=\"_ _0\"></span>no<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>fro<span class=\"_ _6\"></span>m <span class=\"_ _0\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>ble mar<span class=\"_ _6\"></span>ket dat<span class=\"_ _6\"></span>a, and the<span class=\"_ _6\"></span>refore the fai<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>val<span class=\"_ _6\"></span>ue is <span class=\"_ _0\"></span>con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>to <span class=\"_ _0\"></span>be ali<span class=\"_ _6\"></span>gne<span class=\"_ _6\"></span>d to <span class=\"_ _0\"></span>the ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng valu<span class=\"_ _6\"></span>e. Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g the year<span class=\"_ _0\"></span>, <span class=\"_ _0\"></span>Fund<span class=\"_ _6\"></span>ing Circ<span class=\"_ _6\"></span>le Ltd <span class=\"_ _0\"></span>pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>ed the rema<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ng loa<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>lio fro<span class=\"_ _6\"></span>m <span class=\"_ _0\"></span>Thro<span class=\"_ _6\"></span>gmo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>Lend<span class=\"_ _6\"></span>ing De<span class=\"_ _6\"></span>sig<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d Acti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y Comp<span class=\"_ _6\"></span>any for \u00a33.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n wit<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>an eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic cut-<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>f date of 31 <span class=\"_ _0\"></span>Marc<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>2025. <span class=\"_ _0\"></span>This was set<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>ne<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>of coll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons in Augus<span class=\"_ _6\"></span>t 202<span class=\"_ _0\"></span>5 <span class=\"_ _0\"></span>for \u00a31.1 <span class=\"_ _0\"></span>mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt to <span class=\"_ _0\"></span>the sa<span class=\"_ _6\"></span>le the ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>app<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>liq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>dato<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span><table class=\"s w601 heb\" id=\"_fde77576-6529-4e94-95fc-19e27a24e76e\"><tr><td></td><td class=\"t m0 xb32 h28 y2b68 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b68 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b69 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b69 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b6a ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb33 h28 y2b6a ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x49f h28 y2b6b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b6b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b6c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b6c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2b6d ff55 fs19 fc2 sc0 ls12 ws16\">Su<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et (G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4a0 h28 y2b6d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b6d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b6e w602 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Non-current a<span class=\"_ _0\"></span>ssets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y2b6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y2b6e wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b6f w603 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62c y2b6f w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb34 y2b6f w2f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b70 w604 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Current<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb35 y2b70 w605 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb36 y2b70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b71 w606 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Non-current liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y2b71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ed y2b71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w607 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">Net assets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x398 y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb37 y2810 w234 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr></table>Reconciliatio<span class=\"_ _0\"></span>n <span class=\"_ _b\"></span>of <span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>ociate<span class=\"_ _0\"></span>s\u2019<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>otal <span class=\"_ _b\"></span>shareholders\u2019 <span class=\"_ _b\"></span>equit<span class=\"_ _6\"></span>y <span class=\"_ _b\"></span>to <span class=\"_ _b\"></span>carr<span class=\"_ _6\"></span>ying<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>amount<span class=\"_ _0\"></span> <span class=\"_ _b\"></span>in <span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>unding<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Circ<span class=\"_ _0\"></span>le <span class=\"_ _b\"></span>Holdings <span class=\"_ _0\"></span>plc\u2019<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>solidated financial statements<span class=\"_ _2f2\"> </span><table class=\"s w608 hec\" id=\"_df2c21ca-f7e9-488c-9621-e25cdb2b03cd\"><tr><td></td><td class=\"t m0 xb32 h28 y2b72 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b72 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b73 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b73 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b74 ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb33 h28 y2b74 ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x49f h28 y2b75 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b75 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b76 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b76 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2b77 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b78 w609 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Op<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>ng n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s as at 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb38 y2b78 w60a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d1 y2b78 w31e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1<span class=\"_ _6\"></span>8.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b79 w60b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb39 y2b79 w407 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y2b79 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7a w60c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Capit<span class=\"_ _6\"></span>al r<span class=\"_ _0\"></span>edemptions in the y<span class=\"_ _0\"></span>ear<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3a y2b7a w38f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76d y2b7a w60d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7b w60e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>s pa<span class=\"_ _6\"></span>id in t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x398 y2b7b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3b y2b7b w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7c w60f h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Cl<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ng n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts as a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3c y2b7d w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66f y2b7d w7b h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7e w610 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s sh<span class=\"_ _6\"></span>are in %<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3d y2b7e w611 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls61 wsa6\">8.<span class=\"_ _6\"></span>3%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d3 y2b7e w612 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">8<span class=\"_ _6\"></span>.3%<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7f w613 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s sh<span class=\"_ _6\"></span>are of n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s as at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2b7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x258 y2b7f w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b80 w614 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls3d ws47\">Accounting policy<span class=\"_ _0\"></span> alignment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3e y2b80 w22 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3f y2b80 w1e hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w615 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x564 y280f w1e hb1\"><div class=\"t m0 x1b5 h5 y2925 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x565 y280f wa8 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w616 hed\" id=\"_95165e66-44ae-4b9d-9366-615c1d890ab7\"><tr><td></td><td class=\"t m0 xb40 h28 y2b81 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb41 h28 y2b81 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb40 h28 y2b82 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb41 h28 y2b82 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb40 h28 y2b83 ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb42 h28 y2b83 ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2b84 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2b84 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2b85 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2b85 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2b86 ff55 fs19 fc2 sc0 ls12 ws16\">Su<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>eh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me (G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2b86 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2b86 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b87 w617 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Gross<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y2b87 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xae1 y2b87 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b88 w60b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2b88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x508 y2b88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b89 w618 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Other comprehensiv<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x656 y2b89 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb43 y2b89 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8a w619 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls7e wsa9\">T<span class=\"_ _b\"></span>ota<span class=\"_ _6\"></span>l comprehe<span class=\"_ _6\"></span>nsive income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a3 y2b8b w22 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb44 y2b8b w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8c w378 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">Dividends<span class=\"_ _0\"></span> receiv<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> associa<span class=\"_ _0\"></span>tes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb45 y2b8d w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb46 y2b8d w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w61a h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls9c ws36\">Capital redemption<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>eived<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> associa<span class=\"_ _0\"></span>tes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb47 y2810 wb4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y2810 w83 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-454": {
   "value": "Investments in associates<span class=\"_ _2f2\"> </span>Se<span class=\"_ _6\"></span>t out be<span class=\"_ _6\"></span>low are the ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>of th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>Gro<span class=\"_ _6\"></span>up as at 31 <span class=\"_ _0\"></span>De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>be<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>2025 <span class=\"_ _0\"></span>whi<span class=\"_ _6\"></span>ch, in th<span class=\"_ _6\"></span>e opin<span class=\"_ _6\"></span>ion of th<span class=\"_ _6\"></span>e Direc<span class=\"_ _6\"></span>tor<span class=\"_ _6\"></span>s, are mater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l to <span class=\"_ _0\"></span>the Gro<span class=\"_ _6\"></span>up.<span class=\"_ _6\"></span> The en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es lis<span class=\"_ _6\"></span>ted be<span class=\"_ _6\"></span>low have share c<span class=\"_ _6\"></span>api<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>al cons<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g sole<span class=\"_ _6\"></span>ly of ordi<span class=\"_ _6\"></span>nar<span class=\"_ _6\"></span>y sh<span class=\"_ _6\"></span>ares, wh<span class=\"_ _6\"></span>ich are hel<span class=\"_ _6\"></span>d dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e Group. The co<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y of in<span class=\"_ _6\"></span>cor<span class=\"_ _6\"></span>po<span class=\"_ _6\"></span>rat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n or <span class=\"_ _0\"></span>reg<span class=\"_ _6\"></span>ist<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on is also th<span class=\"_ _6\"></span>eir pr<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>cip<span class=\"_ _6\"></span>al pla<span class=\"_ _6\"></span>ce of busi<span class=\"_ _6\"></span>nes<span class=\"_ _6\"></span>s, and th<span class=\"_ _6\"></span>e prop<span class=\"_ _6\"></span>or<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n of <span class=\"_ _0\"></span>owne<span class=\"_ _6\"></span>rsh<span class=\"_ _6\"></span>ip inte<span class=\"_ _6\"></span>res<span class=\"_ _6\"></span>t is <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e same as th<span class=\"_ _6\"></span>e proport<span class=\"_ _6\"></span>ion<span class=\"_ _0\"></span> of v<span class=\"_ _0\"></span>oting rights<span class=\"_ _0\"></span> held.<span class=\"_ _2f2\"> </span><table class=\"s w5f4 he9\" id=\"_bff46650-dc62-4674-b4a0-eabd89a39197\"><tr><td></td><td></td><td class=\"t m0 xb1f h28 y2b5e ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb20 h28 y2b5e ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x89a h28 y2b5f ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td class=\"t m0 x2a7 h28 y2b5f ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7bf h28 y2b5f ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x1b9 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">Associate entity name<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x873 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x7c4 h28 y2b60 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xb21 y2b61 w5d3 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb22 y2b61 w5f5 h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">R<span class=\"_ _6\"></span>eg<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>tere<span class=\"_ _6\"></span>d of<span class=\"_ _5\"></span>fic<span class=\"_ _6\"></span>e ad<span class=\"_ _6\"></span>dre<span class=\"_ _6\"></span>ss<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w5f6 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd5 wsfa\">Fund<span class=\"_ _6\"></span>ing Ci<span class=\"_ _6\"></span>rcle UK SM<span class=\"_ _6\"></span>E Direc<span class=\"_ _6\"></span>t Lendi<span class=\"_ _6\"></span>ng Fund<span class=\"_ _6\"></span>\u00b9<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb23 y280f w5f7 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">I<span class=\"_ _6\"></span>rela<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb24 y280f w5f8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls7 ws8\">8%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb25 y280f w5e5 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb26 y280f w5f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">70, Sir J<span class=\"_ _6\"></span>oh<span class=\"_ _6\"></span>n Rog<span class=\"_ _6\"></span>ers<span class=\"_ _6\"></span>on\u2019s Q<span class=\"_ _6\"></span>uay<span class=\"_ _0\"></span>, Dub<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>n 2, Irel<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></div></td></tr></table>1.<span class=\"_ gs546\"> </span><span class=\"_ _24\"> </span>P<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>te<span class=\"_ gs546\"> </span>su<span class=\"_ _6\"></span>b-f<span class=\"_ _6\"></span>und<span class=\"_ gs546\"> </span>h<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>vi<span class=\"_ _6\"></span>a<span class=\"_ gs546\"> </span>th<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>Fun<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng<span class=\"_ gs546\"> </span>C<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>cl<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ICAV,<span class=\"_ gs546\"> </span>an<span class=\"_ gs546\"> </span>Ir<span class=\"_ _6\"></span>is<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>col<span class=\"_ _6\"></span>le<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ve<span class=\"_ gs546\"> </span>as<span class=\"_ _6\"></span>set<span class=\"_ gs546\"> </span>m<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>ag<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>en<span class=\"_ _6\"></span>t<span class=\"_ gs546\"> </span>veh<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>le<span class=\"_ gs546\"> </span>c<span class=\"_ _6\"></span>ons<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>ute<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>as<span class=\"_ gs546\"> </span>a<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>um<span class=\"_ _6\"></span>br<span class=\"_ _6\"></span>el<span class=\"_ _6\"></span>la<span class=\"_ gs546\"> </span>fu<span class=\"_ _6\"></span>nd<span class=\"_ gs546\"> </span>w<span class=\"_ _6\"></span>it<span class=\"_ _6\"></span>h<span class=\"_ gs546\"> </span>re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d<span class=\"_ gs546\"> </span>of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e<span class=\"_ gs546\"> </span>ad<span class=\"_ _6\"></span>dr<span class=\"_ _6\"></span>ess<span class=\"_ gs546\"> </span>of<span class=\"_ gs546\"> </span>70<span class=\"_ _6\"></span>,<span class=\"_ gs546\"> </span>Si<span class=\"_ _6\"></span>r<span class=\"_ gs546\"> </span>Joh<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>Ro<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>rs<span class=\"_ _6\"></span>on\u2019<span class=\"_ _6\"></span>s<span class=\"_ gs546\"> </span>Qu<span class=\"_ _6\"></span>ay,<span class=\"_ gs546\"> </span>Dub<span class=\"_ _6\"></span>li<span class=\"_ _6\"></span>n<span class=\"_ gs546\"> </span>2,<span class=\"_ gs546\"> </span>I<span class=\"_ _6\"></span>rel<span class=\"_ _6\"></span>an<span class=\"_ _6\"></span>d.<span class=\"_ _2f2\"> </span>The a<span class=\"_ _6\"></span>sso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes ou<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>lin<span class=\"_ _6\"></span>ed a<span class=\"_ _6\"></span>bove dire<span class=\"_ _6\"></span>ct<span class=\"_ _6\"></span>ly h<span class=\"_ _6\"></span>ol<span class=\"_ _6\"></span>d inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt<span class=\"_ _6\"></span>s in su<span class=\"_ _6\"></span>bsi<span class=\"_ _6\"></span>dia<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>y en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>es as d<span class=\"_ _6\"></span>et<span class=\"_ _6\"></span>ail<span class=\"_ _6\"></span>ed b<span class=\"_ _6\"></span>elow, whi<span class=\"_ _6\"></span>ch are c<span class=\"_ _6\"></span>onsi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>red to b<span class=\"_ _6\"></span>e rel<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>d par<span class=\"_ _5\"></span>tie<span class=\"_ _6\"></span>s of th<span class=\"_ _6\"></span>e Grou<span class=\"_ _6\"></span>p.<span class=\"_ _2f2\"> </span><table class=\"s w5fa hea\" id=\"_d2a58f09-ec9a-44bd-9244-fe312c03b8fb\"><tr><td></td><td></td><td></td><td class=\"t m0 x6d7 h28 y2b62 ff55 fs19 fc2 sc0 lsc8 wsec\">Proportion of<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xac4 h28 y2b62 ff56 fs19 fc2 sc0 ls94 wsd9\">D<span class=\"_ _6\"></span>ir<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>l<span class=\"_ _6\"></span>y/<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x376 h28 y2b63 ff55 fs19 fc2 sc0 ls12 ws16\">Pl<span class=\"_ _6\"></span>ace o<span class=\"_ _6\"></span>f </td><td></td><td class=\"t m0 xb27 h28 y2b63 ff55 fs19 fc2 sc0 lsc9 wsed\"> ownership<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x29f h28 y2b63 ff56 fs19 fc2 sc0 lsc9 wsed\">indirectly<span class=\"_ _2f2\"> </span></td><td></td></tr><tr><td class=\"t m0 x1b9 h28 y2b64 ff56 fs19 fc2 sc0 ls12 ws16\">O<span class=\"_ _6\"></span>th<span class=\"_ _6\"></span>er re<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>ted p<span class=\"_ _6\"></span>ar<span class=\"_ _5\"></span>ty n<span class=\"_ _6\"></span>am<span class=\"_ _6\"></span>e<span class=\"_ _2f2\"> </span></td><td class=\"c n xb28 y2b65 w5fb h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lsc9 wsed\">incorporation<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb29 y2b65 w5fc h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 lsc9 wsed\">Relationship</div></td><td class=\"t m0 xb20 h28 y2b64 ff56 fs19 fc2 sc0 lsc9 wsed\">interest<span class=\"_ _2f2\"> </span></td><td class=\"c n xb2a y2b65 w5d3 h96\"><div class=\"t m0 x1b5 h28 y27aa ff56 fs19 fc2 sc0 lscb wsef\">held<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2b y2b65 w5fd h96\"><div class=\"t m0 x1b5 h28 y27aa ff55 fs19 fc2 sc0 ls12 ws16\">Re<span class=\"_ _6\"></span>gi<span class=\"_ _6\"></span>st<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d of<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>ic<span class=\"_ _6\"></span>e ad<span class=\"_ _6\"></span>dres<span class=\"_ _6\"></span>s<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2b66 ff55 fs3 fc2 sc0 ls3d ws47\">Throgmorton Lending<span class=\"_ _0\"></span> Designated </td><td class=\"c n xb2c y2a31 w5fe h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls39 ws42\">Ire<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nd<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2d y2a31 w5ff h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Subsidiary<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2e y2a31 w183 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls5d ws84\">10<span class=\"_ _6\"></span>0%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb2f y2a31 w533 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Indirectly<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb30 y2a31 w600 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">70, S<span class=\"_ _6\"></span>ir Jo<span class=\"_ _6\"></span>hn Ro<span class=\"_ _6\"></span>ge<span class=\"_ _6\"></span>rso<span class=\"_ _6\"></span>n\u2019s Qu<span class=\"_ _6\"></span>ay<span class=\"_ _b\"></span>,<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"t m0 x1b9 h5 y2b67 ff56 fs3 fc2 sc0 lsdf ws107\">Activit<span class=\"_ _6\"></span>y Company<span class=\"_ _2f2\"> </span></td><td></td><td class=\"t m0 xb31 h5 y2b67 ff56 fs3 fc2 sc0 ls81 wsad\">of associate</td><td></td><td></td><td class=\"t m0 x1ae h5 y2b67 ff55 fs3 fc2 sc0 ls12 ws16\"> Du<span class=\"_ _6\"></span>bli<span class=\"_ _6\"></span>n 2, Ire<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>d<span class=\"_ _2f2\"> </span></td></tr></table>The ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>es below provi<span class=\"_ _6\"></span>de summ<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>ise<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>fi<span class=\"_ _6\"></span>na<span class=\"_ _6\"></span>nci<span class=\"_ _6\"></span>al infor<span class=\"_ _6\"></span>mat<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>for tho<span class=\"_ _6\"></span>se asso<span class=\"_ _6\"></span>ciat<span class=\"_ _6\"></span>es that are mater<span class=\"_ _6\"></span>ia<span class=\"_ _6\"></span>l <span class=\"_ _0\"></span>to the Grou<span class=\"_ _6\"></span>p. <span class=\"_ _0\"></span>The infor<span class=\"_ _6\"></span>ma<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>on discl<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span>d<span class=\"_ _6\"></span> ref<span class=\"_ _6\"></span>lec<span class=\"_ _6\"></span>ts th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts prese<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>in the fi<span class=\"_ _6\"></span>nan<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>l <span class=\"_ _0\"></span>st<span class=\"_ _6\"></span>ate<span class=\"_ _6\"></span>me<span class=\"_ _6\"></span>nts of the releva<span class=\"_ _6\"></span>nt asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes and not Fundi<span class=\"_ _6\"></span>ng Circl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>Ho<span class=\"_ _6\"></span>ld<span class=\"_ _6\"></span>ing<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>pl<span class=\"_ _6\"></span>c\u2019s share of <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>ose<span class=\"_ _6\"></span> amo<span class=\"_ _6\"></span>un<span class=\"_ _6\"></span>ts. They have <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>en amen<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>to refle<span class=\"_ _6\"></span>ct ad<span class=\"_ _6\"></span>jus<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s made by <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>wh<span class=\"_ _6\"></span>en usin<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>eq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>me<span class=\"_ _6\"></span>tho<span class=\"_ _6\"></span>d, inc<span class=\"_ _6\"></span>lud<span class=\"_ _6\"></span>ing mo<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>tio<span class=\"_ _6\"></span>ns for di<span class=\"_ _6\"></span>f<span class=\"_ _6\"></span>fere<span class=\"_ _6\"></span>nce<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>in acco<span class=\"_ _6\"></span>unt<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g <span class=\"_ _0\"></span>po<span class=\"_ _6\"></span>lic<span class=\"_ _6\"></span>y<span class=\"_ _0\"></span>. <span class=\"_ _0\"></span>Whi<span class=\"_ _6\"></span>le the Grou<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>ho<span class=\"_ _6\"></span>lds les<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>an 20% <span class=\"_ _0\"></span>owner<span class=\"_ _6\"></span>shi<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>in Fundi<span class=\"_ _6\"></span>ng Circl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>UK SME Di<span class=\"_ _6\"></span>rec<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>Lend<span class=\"_ _6\"></span>ing Fund I, the<span class=\"_ _6\"></span> Gro<span class=\"_ _6\"></span>up consi<span class=\"_ _6\"></span>de<span class=\"_ _6\"></span>rs that it has sig<span class=\"_ _6\"></span>ni<span class=\"_ _6\"></span>fi<span class=\"_ _6\"></span>ca<span class=\"_ _6\"></span>nt infl<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nce over <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>en<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y throu<span class=\"_ _6\"></span>gh repres<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>on it<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>Bo<span class=\"_ _6\"></span>ard and so <span class=\"_ _0\"></span>con<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>nue<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>to accou<span class=\"_ _6\"></span>nt for <span class=\"_ _0\"></span>i<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>as<span class=\"_ _6\"></span> an asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>te inste<span class=\"_ _6\"></span>ad of <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>tr<span class=\"_ _6\"></span>ad<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tm<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>. The <span class=\"_ _0\"></span>ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates are sub<span class=\"_ _6\"></span>-fu<span class=\"_ _6\"></span>nds whi<span class=\"_ _6\"></span>ch invest in SME loan<span class=\"_ _6\"></span>s, and the Grou<span class=\"_ _6\"></span>p <span class=\"_ _0\"></span>is expos<span class=\"_ _6\"></span>ed to <span class=\"_ _0\"></span>def<span class=\"_ _6\"></span>aul<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span> an<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>prep<span class=\"_ _6\"></span>ayme<span class=\"_ _6\"></span>nt ris<span class=\"_ _6\"></span>k <span class=\"_ _0\"></span>wi<span class=\"_ _6\"></span>th resp<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>to the per<span class=\"_ _5\"></span>forma<span class=\"_ _6\"></span>nce of the und<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>lyin<span class=\"_ _6\"></span>g loan<span class=\"_ _6\"></span>s <span class=\"_ _0\"></span>in the ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates, to the ex<span class=\"_ _6\"></span>tent th<span class=\"_ _6\"></span>at the sha<span class=\"_ _6\"></span>re <span class=\"_ _0\"></span>of profi<span class=\"_ _6\"></span>t from<span class=\"_ _6\"></span> ass<span class=\"_ _6\"></span>oci<span class=\"_ _6\"></span>ates may dimi<span class=\"_ _6\"></span>nis<span class=\"_ _6\"></span>h. The <span class=\"_ _0\"></span>ta<span class=\"_ _6\"></span>bl<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>be<span class=\"_ _6\"></span>low ill<span class=\"_ _6\"></span>ust<span class=\"_ _6\"></span>ra<span class=\"_ _6\"></span>tes the Grou<span class=\"_ _6\"></span>p\u2019s <span class=\"_ _0\"></span>ma<span class=\"_ _6\"></span>xim<span class=\"_ _6\"></span>um expos<span class=\"_ _6\"></span>ure to <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt in asso<span class=\"_ _6\"></span>cia<span class=\"_ _6\"></span>tes which repre<span class=\"_ _6\"></span>sen<span class=\"_ _6\"></span>ts the<span class=\"_ _6\"></span> val<span class=\"_ _6\"></span>ue on the Group ba<span class=\"_ _6\"></span>lan<span class=\"_ _6\"></span>ce she<span class=\"_ _6\"></span>et. The val<span class=\"_ _6\"></span>ue of <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>e <span class=\"_ _0\"></span>inves<span class=\"_ _6\"></span>tme<span class=\"_ _6\"></span>nt is <span class=\"_ _0\"></span>de<span class=\"_ _6\"></span>rive<span class=\"_ _6\"></span>d from net asse<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>val<span class=\"_ _6\"></span>ue st<span class=\"_ _6\"></span>atem<span class=\"_ _6\"></span>ent<span class=\"_ _6\"></span>s from the sub<span class=\"_ _6\"></span>-fu<span class=\"_ _6\"></span>nds; however, be<span class=\"_ _6\"></span>ing pr<span class=\"_ _6\"></span>ivat<span class=\"_ _6\"></span>e, <span class=\"_ _0\"></span>th<span class=\"_ _6\"></span>ese are <span class=\"_ _0\"></span>no<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>fro<span class=\"_ _6\"></span>m <span class=\"_ _0\"></span>obs<span class=\"_ _6\"></span>er<span class=\"_ _6\"></span>va<span class=\"_ _6\"></span>ble mar<span class=\"_ _6\"></span>ket dat<span class=\"_ _6\"></span>a, and the<span class=\"_ _6\"></span>refore the fai<span class=\"_ _6\"></span>r <span class=\"_ _0\"></span>val<span class=\"_ _6\"></span>ue is <span class=\"_ _0\"></span>con<span class=\"_ _6\"></span>sid<span class=\"_ _6\"></span>ere<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>to <span class=\"_ _0\"></span>be ali<span class=\"_ _6\"></span>gne<span class=\"_ _6\"></span>d to <span class=\"_ _0\"></span>the ca<span class=\"_ _6\"></span>rr<span class=\"_ _6\"></span>yi<span class=\"_ _6\"></span>ng valu<span class=\"_ _6\"></span>e. Du<span class=\"_ _6\"></span>rin<span class=\"_ _6\"></span>g the year<span class=\"_ _0\"></span>, <span class=\"_ _0\"></span>Fund<span class=\"_ _6\"></span>ing Circ<span class=\"_ _6\"></span>le Ltd <span class=\"_ _0\"></span>pu<span class=\"_ _6\"></span>rchas<span class=\"_ _6\"></span>ed the rema<span class=\"_ _6\"></span>ini<span class=\"_ _6\"></span>ng loa<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>po<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>fo<span class=\"_ _6\"></span>lio fro<span class=\"_ _6\"></span>m <span class=\"_ _0\"></span>Thro<span class=\"_ _6\"></span>gmo<span class=\"_ _6\"></span>r<span class=\"_ _6\"></span>to<span class=\"_ _6\"></span>n <span class=\"_ _0\"></span>Lend<span class=\"_ _6\"></span>ing De<span class=\"_ _6\"></span>sig<span class=\"_ _6\"></span>nate<span class=\"_ _6\"></span>d Acti<span class=\"_ _6\"></span>vi<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y Comp<span class=\"_ _6\"></span>any for \u00a33.0 mil<span class=\"_ _6\"></span>lio<span class=\"_ _6\"></span>n wit<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>an eco<span class=\"_ _6\"></span>nom<span class=\"_ _6\"></span>ic cut-<span class=\"_ _6\"></span>of<span class=\"_ _6\"></span>f date of 31 <span class=\"_ _0\"></span>Marc<span class=\"_ _6\"></span>h <span class=\"_ _0\"></span>2025. <span class=\"_ _0\"></span>This was set<span class=\"_ _5\"></span>tle<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>ne<span class=\"_ _6\"></span>t <span class=\"_ _0\"></span>of coll<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>ti<span class=\"_ _6\"></span>ons in Augus<span class=\"_ _6\"></span>t 202<span class=\"_ _0\"></span>5 <span class=\"_ _0\"></span>for \u00a31.1 <span class=\"_ _0\"></span>mill<span class=\"_ _6\"></span>io<span class=\"_ _6\"></span>n. Sub<span class=\"_ _6\"></span>seq<span class=\"_ _6\"></span>ue<span class=\"_ _6\"></span>nt to <span class=\"_ _0\"></span>the sa<span class=\"_ _6\"></span>le the ent<span class=\"_ _6\"></span>i<span class=\"_ _6\"></span>t<span class=\"_ _6\"></span>y <span class=\"_ _0\"></span>app<span class=\"_ _6\"></span>oi<span class=\"_ _6\"></span>nte<span class=\"_ _6\"></span>d <span class=\"_ _0\"></span>a <span class=\"_ _0\"></span>liq<span class=\"_ _6\"></span>ui<span class=\"_ _6\"></span>dato<span class=\"_ _6\"></span>r<span class=\"_ _0\"></span>.<span class=\"_ _2f2\"> </span><table class=\"s w601 heb\" id=\"_fde77576-6529-4e94-95fc-19e27a24e76e\"><tr><td></td><td class=\"t m0 xb32 h28 y2b68 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b68 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b69 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b69 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b6a ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb33 h28 y2b6a ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x49f h28 y2b6b ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b6b ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b6c ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b6c ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x1b9 h28 y2b6d ff55 fs19 fc2 sc0 ls12 ws16\">Su<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d ba<span class=\"_ _6\"></span>la<span class=\"_ _6\"></span>nce s<span class=\"_ _6\"></span>he<span class=\"_ _6\"></span>et (G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x4a0 h28 y2b6d ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b6d ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b6e w602 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lsd1 wsf5\">Non-current a<span class=\"_ _0\"></span>ssets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y2b6e w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y2b6e wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b6f w603 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Cur<span class=\"_ _6\"></span>ren<span class=\"_ _6\"></span>t ass<span class=\"_ _6\"></span>ets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x62c y2b6f w2a0 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls2b ws66\">0.2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb34 y2b6f w2f9 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b70 w604 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Current<span class=\"_ _0\"></span> liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb35 y2b70 w605 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls2b ws66\">(0.2<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb36 y2b70 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b71 w606 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls3d ws47\">Non-current liabilities<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ec y2b71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ed y2b71 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w607 h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 lsd4 wsf8\">Net assets<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x398 y2810 w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb37 y2810 w234 h97\"><div class=\"t m0 x1b5 hd y27c8 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>6<span class=\"_ _2f2\"> </span></div></td></tr></table>Reconciliatio<span class=\"_ _0\"></span>n <span class=\"_ _b\"></span>of <span class=\"_ _0\"></span>ass<span class=\"_ _0\"></span>ociate<span class=\"_ _0\"></span>s\u2019<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>otal <span class=\"_ _b\"></span>shareholders\u2019 <span class=\"_ _b\"></span>equit<span class=\"_ _6\"></span>y <span class=\"_ _b\"></span>to <span class=\"_ _b\"></span>carr<span class=\"_ _6\"></span>ying<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>amount<span class=\"_ _0\"></span> <span class=\"_ _b\"></span>in <span class=\"_ _0\"></span>F<span class=\"_ _0\"></span>unding<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Circ<span class=\"_ _0\"></span>le <span class=\"_ _b\"></span>Holdings <span class=\"_ _0\"></span>plc\u2019<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>con<span class=\"_ _0\"></span>solidated financial statements<span class=\"_ _2f2\"> </span><table class=\"s w608 hec\" id=\"_df2c21ca-f7e9-488c-9621-e25cdb2b03cd\"><tr><td></td><td class=\"t m0 xb32 h28 y2b72 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b72 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b73 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x375 h28 y2b73 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb32 h28 y2b74 ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb33 h28 y2b74 ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x49f h28 y2b75 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b2 h28 y2b75 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x3a9 h28 y2b76 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1b8 h28 y2b76 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x4a0 h28 y2b77 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x1bd h28 y2b77 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b78 w609 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Op<span class=\"_ _6\"></span>eni<span class=\"_ _6\"></span>ng n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s as at 1 J<span class=\"_ _6\"></span>anu<span class=\"_ _6\"></span>ar<span class=\"_ _6\"></span>y<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb38 y2b78 w60a h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 lse5 ws10c\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x5d1 y2b78 w31e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls81 wsad\">1<span class=\"_ _6\"></span>8.3<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b79 w60b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb39 y2b79 w407 h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls29 ws87\">(0.4)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x2bd y2b79 wfb h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.4<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7a w60c h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsb8 wsce\">Capit<span class=\"_ _6\"></span>al r<span class=\"_ _0\"></span>edemptions in the y<span class=\"_ _0\"></span>ear<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3a y2b7a w38f h97\"><div class=\"t m0 x1b5 h5 y27ae ff60 fs3 fc3 sc0 ls69 wsb9\">(6.8)<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x76d y2b7a w60d h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 lse4 ws10b\">(<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>1<span class=\"_ _6\"></span>.1<span class=\"_ _6\"></span>)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7b w60e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">Di<span class=\"_ _6\"></span>vid<span class=\"_ _6\"></span>end<span class=\"_ _6\"></span>s pa<span class=\"_ _6\"></span>id in t<span class=\"_ _6\"></span>he yea<span class=\"_ _6\"></span>r<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x398 y2b7b w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3b y2b7b w23b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls69 wsb9\">(0.4)<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7c w60f h9a\"><div class=\"t m0 x1b5 hd y27c6 ff54 fs3 fc2 sc0 ls12 ws16\">Cl<span class=\"_ _6\"></span>osi<span class=\"_ _6\"></span>ng n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>ts as a<span class=\"_ _6\"></span>t 31 De<span class=\"_ _6\"></span>ce<span class=\"_ _6\"></span>mb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3c y2b7d w1e h97\"><div class=\"t m0 x1b5 hd y27c8 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x66f y2b7d w7b h97\"><div class=\"t m0 x1b5 hd y27c8 ff55 fs3 fc2 sc0 lse1 ws109\">7.<span class=\"_ _5\"></span>2<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7e w610 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s sh<span class=\"_ _6\"></span>are in %<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3d y2b7e w611 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls61 wsa6\">8.<span class=\"_ _6\"></span>3%<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x3d3 y2b7e w612 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls2d ws35\">8<span class=\"_ _6\"></span>.3%<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b7f w613 h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s sh<span class=\"_ _6\"></span>are of n<span class=\"_ _6\"></span>et as<span class=\"_ _6\"></span>set<span class=\"_ _6\"></span>s as at 3<span class=\"_ _6\"></span>1 De<span class=\"_ _6\"></span>cem<span class=\"_ _6\"></span>ber<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2b7f w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x258 y2b7f w1df h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b80 w614 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls3d ws47\">Accounting policy<span class=\"_ _0\"></span> alignment<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3e y2b80 w22 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb3f y2b80 w1e hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w615 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff55 fs3 fc2 sc0 ls12 ws16\">Gro<span class=\"_ _6\"></span>up\u2019s c<span class=\"_ _6\"></span>arr<span class=\"_ _6\"></span>y<span class=\"_ _6\"></span>ing a<span class=\"_ _6\"></span>mo<span class=\"_ _6\"></span>unt<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x564 y280f w1e hb1\"><div class=\"t m0 x1b5 h5 y2925 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x565 y280f wa8 hb1\"><div class=\"t m0 x1b5 h5 y2925 ff56 fs3 fc2 sc0 ls69 wsb9\">0.6<span class=\"_ _2f2\"> </span></div></td></tr></table><table class=\"s w616 hed\" id=\"_95165e66-44ae-4b9d-9366-615c1d890ab7\"><tr><td></td><td class=\"t m0 xb40 h28 y2b81 ff53 fs19 fc3 sc0 lsdb ws103\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb41 h28 y2b81 ff56 fs19 fc2 sc0 lsc9 wsed\">Funding<span class=\"_ _0\"></span> Circle<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb40 h28 y2b82 ff53 fs19 fc3 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>M<span class=\"_ _6\"></span>E Di<span class=\"_ _6\"></span>re<span class=\"_ _6\"></span>ct<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb41 h28 y2b82 ff55 fs19 fc2 sc0 ls12 ws16\">UK S<span class=\"_ _6\"></span>ME D<span class=\"_ _6\"></span>ire<span class=\"_ _6\"></span>c<span class=\"_ _6\"></span>t<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 xb40 h28 y2b83 ff53 fs19 fc3 sc0 ls12 ws16\">Le<span class=\"_ _6\"></span>nd<span class=\"_ _6\"></span>in<span class=\"_ _6\"></span>g Fund I<span class=\"_ _2f2\"> </span></td><td class=\"t m0 xb42 h28 y2b83 ff55 fs19 fc2 sc0 ls12 ws16\">Len<span class=\"_ _6\"></span>di<span class=\"_ _6\"></span>ng Fun<span class=\"_ _6\"></span>d I<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24c h28 y2b84 ff53 fs19 fc3 sc0 lsca wsee\">31 December<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24d h28 y2b84 ff55 fs19 fc2 sc0 ls12 ws16\">31 D<span class=\"_ _6\"></span>ec<span class=\"_ _6\"></span>emb<span class=\"_ _6\"></span>er<span class=\"_ _2f2\"> </span></td></tr><tr><td></td><td class=\"t m0 x24e h28 y2b85 ff53 fs19 fc3 sc0 lsdc ws104\">2025<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x24f h28 y2b85 ff56 fs19 fc2 sc0 ls96 wsab\">20<span class=\"_ _6\"></span>24<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"t m0 x250 h28 y2b86 ff55 fs19 fc2 sc0 ls12 ws16\">Su<span class=\"_ _6\"></span>mma<span class=\"_ _6\"></span>ri<span class=\"_ _6\"></span>se<span class=\"_ _6\"></span>d st<span class=\"_ _6\"></span>at<span class=\"_ _6\"></span>em<span class=\"_ _6\"></span>ent o<span class=\"_ _6\"></span>f co<span class=\"_ _6\"></span>mpr<span class=\"_ _6\"></span>eh<span class=\"_ _6\"></span>ens<span class=\"_ _6\"></span>ive i<span class=\"_ _6\"></span>nco<span class=\"_ _6\"></span>me (G<span class=\"_ _6\"></span>rou<span class=\"_ _6\"></span>p\u2019s s<span class=\"_ _6\"></span>ha<span class=\"_ _6\"></span>re)<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x251 h28 y2b86 ff53 fs19 fc3 sc0 lsfc ws124\">\u00a3m<span class=\"_ _2f2\"> </span></td><td class=\"t m0 x252 h28 y2b86 ff56 fs19 fc2 sc0 lscd ws102\">\u00a3m<span class=\"_ _2f2\"> </span></td></tr><tr><td class=\"c n x1be y2b87 w617 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Gross<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x58b y2b87 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xae1 y2b87 we8 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lse4 ws10b\">0<span class=\"_ _6\"></span>.1<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b88 w60b h97\"><div class=\"t m0 x1b5 h5 y27ae ff55 fs3 fc2 sc0 ls12 ws16\">(Loss)/prof<span class=\"_ _6\"></span>it fo<span class=\"_ _6\"></span>r th<span class=\"_ _6\"></span>e year<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x4ea y2b88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x508 y2b88 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b89 w618 h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 lsd1 wsf5\">Other comprehensiv<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span> income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x656 y2b89 w22 h97\"><div class=\"t m0 x1b5 h5 y27ae ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb43 y2b89 w1e h97\"><div class=\"t m0 x1b5 h5 y27ae ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8a w619 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls7e wsa9\">T<span class=\"_ _b\"></span>ota<span class=\"_ _6\"></span>l comprehe<span class=\"_ _6\"></span>nsive income<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x7a3 y2b8b w22 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb44 y2b8b w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y2b8c w378 h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 lsdd ws90\">Dividends<span class=\"_ _0\"></span> receiv<span class=\"_ _0\"></span>ed<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> associa<span class=\"_ _0\"></span>tes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb45 y2b8d w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb46 y2b8d w1e h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls12 ws16\">\u2014<span class=\"_ _2f2\"> </span></div></td></tr><tr><td class=\"c n x1be y280f w61a h98\"><div class=\"t m0 x1b5 hd y27b4 ff54 fs3 fc2 sc0 ls9c ws36\">Capital redemption<span class=\"_ _0\"></span>s rec<span class=\"_ _0\"></span>eived<span class=\"_ _0\"></span> from<span class=\"_ _0\"></span> associa<span class=\"_ _0\"></span>tes<span class=\"_ _2f2\"> </span></div></td><td class=\"c n xb47 y2810 wb4 h99\"><div class=\"t m0 x1b5 hd y27b6 ff53 fs3 fc3 sc0 ls2b ws66\">0.6<span class=\"_ _2f2\"> </span></div></td><td class=\"c n x1df y2810 w83 h99\"><div class=\"t m0 x1b5 hd y27b6 ff56 fs3 fc2 sc0 ls69 wsb9\">0.<span class=\"_ _6\"></span>9<span class=\"_ _2f2\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInAssociatesExplanatory",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-360": {
   "value": "71 Queen Victoria Street London EC4V 4AY",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:2138003EK6UAINBBUS19",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  }
 }
}